Joinas Sacco Society Ltd

The Joinas M-Pesa Paybill number is 317150. Ask the SACCO what to enter as the account number (usually your member number).

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 317150, then the account. Ask the SACCO what to enter as the account number (usually your member number). Keep the M-Pesa message as your receipt.

You can dial *882# and use the Joinas Mobi 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 Joinas branch.

Yes: USSD *882# and the Joinas Mobi app.

Phone: +254 721 175585 and Email: info@joinassacco.com.

Monday to Friday 8:30 am – 4 pm, Saturday 8 am – 12 pm.

Joinas's head office is at Kanja House, Limuru – Banana Road, Banana Town, Kiambu County.

You need: original and copy of national ID or other legal identification, non-refundable registration fee KES 500, monthly contribution KES 1,450, be of sound mind, be of legal age and completed membership form. Expect a registration fee of KSh 500. You can apply online on SaccoLink and we'll send your application to Joinas.

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 Joinas, so ask a branch for the loan form and current terms. If you need a guarantor from Joinas, its SaccoLink guarantor board lets members guarantee each other.

Give Joinas 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. Joinas is on SASRA's list of SACCOs licensed to take deposits (FOSA) for 2026, so it can offer withdrawable savings accounts as well as loans.