Kico Regulated Non-WDT-Sacco

The Kico M-Pesa Paybill number is 973110. Use Your name (as registered) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 973110, then the account. Use Your name (as registered) as the account number. Keep the M-Pesa message as your receipt.

Ask Kico for a statement or about its mobile banking options. To ask, call +254 715 228 333 and email info@kicosacco.com.

Phone: +254 715 228 333 and Email: info@kicosacco.com.

Kico's head office is at Bruce House, Standard Street, Nairobi County.

You need: valid National ID or passport, recent passport-size photograph, completed membership application form, minimum share capital (per by-laws), proof of income or employment (where applicable) and registration fee KES 1,500 (non-refundable). Expect a registration fee of KSh 1,500 and minimum share capital of KSh 1,000. You can apply online on SaccoLink and we'll send your application to Kico.

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

Give Kico 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. Kico 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.