Ubora Regulated Non-WDT-Sacco

The Ubora M-Pesa Paybill number is 400222. Use BOSA: 209739#YOURNAME; IESA: 209743#YOURNAME as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 400222, then the account. Use BOSA: 209739#YOURNAME; IESA: 209743#YOURNAME as the account number. Keep the M-Pesa message as your receipt.

You can dial *276*37# 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 Ubora branch.

Yes: USSD *276*37#.

Phone: 0206948261, 0700 156 971 and Email: info@uborasacco.co.ke.

Monday to Friday 8 am – 5 pm.

Ubora's head office is at KEBS Headquarters, Popo Road, Nairobi, Nairobi County.

You need: duly filled membership application form, beneficiary nomination form, copy of ID or valid passport, copy of KRA PIN certificate, two coloured passport-size photographs and registration fee KES 1,000. Expect a registration fee of KSh 1,000, minimum share capital of KSh 10,000 and a minimum monthly saving of KSh 2,000. You can apply online on SaccoLink and we'll send your application to Ubora.

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

Give Ubora 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. Ubora 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.