Haco Regulated Non-WDT-Sacco

Haco hasn't published a Paybill number that we could confirm on its official channels. To ask, call +254 714 178 609, WhatsApp +254 786 189 782 and email info@hacosacco.co.ke.

You can use the Haco Sacco Mobi App app and log in with your member details to see your deposits, shares and loan balance. If you haven't registered for mobile banking, register at any Haco branch.

Yes: the Haco Sacco Mobi App app.

Phone: +254 714 178 609, WhatsApp: +254 786 189 782 and Email: info@hacosacco.co.ke.

Monday to Friday 8 am – 5 pm, Saturday 9 am – 1 pm, Sunday closed.

Haco's head office is at Kasarani Mwiki Road,, Nairobi County.

You need: kenyan citizen aged 18+, copy of National ID or Passport, copy of KRA PIN certificate, passport-size photo, completed membership form, registration fee KES 1,000 and min share capital KES 15,000 (instalments allowed). Expect a registration fee of KSh 1,000, minimum share capital of KSh 15,000 and a minimum monthly saving of KSh 2,000. You can apply online on SaccoLink and we'll send your application to Haco.

Loans are for members. How long you must save first, how much you can borrow against your deposits, and how many guarantors you need are set by Haco, so ask a branch for the loan form and current terms. If you need a guarantor from Haco, its SaccoLink guarantor board lets members guarantee each other.

Give Haco written notice. Deposits are usually refunded after a notice period once your loans and any guarantees you have given are cleared. Share capital is normally not refunded, but you can sell it to another member, for example on SaccoLink.

Yes. Haco is on SASRA's 2026 list of SACCOs authorised to take non-withdrawable deposits: members save deposits and share capital and borrow against them, but it doesn't run withdrawable (FOSA) accounts.