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Deposit-Taking Closed · opens 9 am today Licensed by SASRA (deposit-taking) 2026

Smartlife Sacco Society Ltd

Marakwet Teachers Plaza, Kapsowar, Elgeyo – Marakwet County
Apply to join Call
Dial *645#Mobile banking 020 7606429Call 020 760 6432Call +254 709 000 670Call +254 709 000 672Call info@smartlifesacco.co.keEmail smartlifesacco.co.keWebsite DirectionsHead office

Opening hours

Monday – Friday08:30-17:00 (BOSA); FOSA 08:30-16:00
Saturday9 am – 12 pm
SundayClosed

Branches

Kapcherop Branch
Kapcherop
020 760 6435 Directions
Kapyego Branch
Kapyego
020 760 6437 Directions

How to join

Minimum share capitalKSh 20,000

Bring:

  • Aged above 18 with an income
  • Membership application form (online or download)
  • Passport photo
  • Copy of ID
  • Copy of KRA PIN certificate
  • Minimum share capital KES 20,000
Apply online We send your application to the SACCO.

Need a guarantor in Smartlife?

Be the first on the guarantor board: members guarantee each other, and phone numbers are shared only when both agree.

Open the guarantor board

Shares for sale

None listed right now. Post a buy request or sell yours.

Smartlife: questions members ask

What is the Smartlife Paybill number?

Smartlife hasn't published a Paybill number that we could confirm on its official channels. To ask, call 020 7606429 and email info@smartlifesacco.co.ke.

How do I check my Smartlife balance?

You can dial *645# 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 Smartlife branch.

Does Smartlife have mobile banking?

Yes: USSD *645#.

What is the Smartlife contact number?

Phone: 020 7606429, 020 760 6432, +254 709 000 670, +254 709 000 672 and Email: info@smartlifesacco.co.ke.

What are Smartlife's opening hours?

Monday to Friday 08:30-17:00 (BOSA); FOSA 08:30-16:00, Saturday 9 am – 12 pm.

Where are Smartlife's branches?

Smartlife has 2 offices in Kapcherop and Kapyego. The head office is at Marakwet Teachers Plaza, Kapsowar.

How do I join Smartlife?

You need: aged above 18 with an income, membership application form (online or download), passport photo, copy of ID, copy of KRA PIN certificate and minimum share capital KES 20,000. Expect minimum share capital of KSh 20,000. You can apply online on SaccoLink and we'll send your application to Smartlife.

How do I get a loan from Smartlife?

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

How do I leave Smartlife or withdraw my savings?

Give Smartlife 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.

Is Smartlife licensed by SASRA?

Yes. Smartlife 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.

Details from the SACCO's official website. Last checked 24 Oct 2026. Something wrong or missing? Suggest an edit.

Join Smartlife

Fill in a short form and we send it to the SACCO. Free.

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