Unga Regulated Non-WDT-Sacco

The Unga M-Pesa Paybill number is 400200. Ask the SACCO what to enter as the account number (usually your member number).

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 400200, then the account. Ask the SACCO what to enter as the account number (usually your member number). Keep the M-Pesa message as your receipt.

You can dial *483*129# 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 Unga branch.

Yes: USSD *483*129#.

Phone: 0714 095 059, 0737 724 662, WhatsApp: 0714 095 059 and Email: ungasacco@unga.com.

Monday to Friday 8 am – 5 pm.

Unga's head office is at Ngano House, Industrial Area, Nairobi County.

You need: copy of National ID or Passport, passport-size photo (where applicable), copy of KRA PIN certificate, completed membership application form, registration fee KES 1,000, monthly contribution KES 1,000 and share capital KES 20,000 (payable in instalments). Expect a registration fee of KSh 1,000, minimum share capital of KSh 20,000 and a minimum monthly saving of KSh 1,000. You can apply online on SaccoLink and we'll send your application to Unga.

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

Give Unga 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. Unga 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.