Unifying Regulated Non-WDT-Sacco

The Unifying M-Pesa Paybill number is 639641. Use Membership number / registration number as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 639641, then the account. Use Membership number / registration number as the account number. Keep the M-Pesa message as your receipt.

Ask Unifying for a statement or about its mobile banking options. To ask, call Main Office: 0707 888 900 and email info@unifyingsacco.com.

Phone: Main Office: 0707 888 900, 0726 512 538 and Email: info@unifyingsacco.com.

Monday to Friday 8 am – 5 pm.

Unifying has 2 offices in Nairobi (Buruburu). The head office is at Mustard Seed Mall, Along Waiyaki Way, Uthiru.

You need: membership application form (hardcopy or online), copy of ID, two passport photos and registration fee Kshs 1,000, passbook Kshs 300 and initial savings Kshs 1,000. Expect a registration fee of KSh 1,000, minimum share capital of KSh 10,000 and a minimum monthly saving of KSh 1,000. You can apply online on SaccoLink and we'll send your application to Unifying.

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

Give Unifying 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. Unifying 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.