United Winners Sacco Society

The United Winners M-Pesa Paybill number is 523000. 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 523000, 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 *670# and use the DigiPesa app 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 United Winners branch.

Yes: USSD *670# and the DigiPesa app.

Phone: +254 709 453 110, WhatsApp: +254 721 516 546 and Email: enquiries@uws.co.ke.

Monday to Friday 8 am – 4:30 pm.

United Winners has 2 offices in Nairobi (Umoja) and Ruai. The head office is at Imani Towers, Umoja Estate, Nairobi.

You need: individual membership registration form, copy of ID card, 2 passport photos, min 150 shares at KES 20 (KES 3,000), mandatory monthly savings KES 1,500 and monthly insurance fee KES 150. Expect minimum share capital of KSh 3,000 and a minimum monthly saving of KSh 1,500. You can apply online on SaccoLink and we'll send your application to United Winners.

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

Give United Winners 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. United Winners 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.