Muki Sacco Society Ltd

The Muki M-Pesa Paybill number is 469988. Use National ID number as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 469988, then the account. Use National ID number as the account number. Keep the M-Pesa message as your receipt.

You can dial *850# 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 Muki branch.

Yes: USSD *850#.

Phone: 0711-794957, 140555999, WhatsApp: +254141579515 and Email: info@mukisacco.co.ke.

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

Muki has 10 offices in Ndunyu Njeru, Engineer, Kwa Haraka, Geta, Murungaru, Olkalou, Miharati, Shamata, Naivasha and Mlolongo. The head office is at Muki House, Ndunyu Njeru Road, Kinangop.

You need: original and copy of National ID or Passport, passport size photo (taken at the branch) and kRA PIN certificate. You can apply online on SaccoLink and we'll send your application to Muki.

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

Give Muki 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. Muki 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.