Ukombozi Regulated Non-WDT- Sacco

The Ukombozi - M-Pesa Paybill number is 821945. Use Membership number or ID number followed by #shortcode (product short code) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 821945, then the account. Use Membership number or ID number followed by #shortcode (product short code) as the account number. Keep the M-Pesa message as your receipt.

Ask Ukombozi - for a statement or about its mobile banking options. To ask, call +254 709 000 310 and email info@ukombozisacco.com.

Phone: +254 709 000 310 and Email: info@ukombozisacco.com.

Monday to Friday 8 am – 5 pm.

Ukombozi - has 9 offices in Nairobi, Mombasa, Kisumu, Eldoret, Kitengela, Ongata Rongai, Karatina, Kisii and Meru. The head office is at Deliverance Church, Kariba Street, Nakuru.

You need: completed membership/group form (or online registration for individuals), copy of National ID (or other legal ID) for individual / group officials, 2 passport photos, groups/corporates: minutes agreeing to join, copy of registration certificate and registration fee KES 3,200 (individual) / KES 4,200 (group). Expect a registration fee of KSh 3,200. You can apply online on SaccoLink and we'll send your application to Ukombozi -.

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

Give Ukombozi - 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. Ukombozi - 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.