Universal Traders Sacco Society Ltd

Universal Traders hasn't published a Paybill number that we could confirm on its official channels. To ask, call 0743146268 and email info@universaltraders.co.ke.

Ask Universal Traders for a statement or about its mobile banking options. To ask, call 0743146268 and email info@universaltraders.co.ke.

Phone: 0743146268, 0757 568 479, 0716 127 102 and Email: info@universaltraders.co.ke.

Universal Traders's head office is at Traders House, Syokimau Road, Machakos, Machakos County.

You need: purchase at least 100 shares of KES 100 each and monthly non-withdrawable deposits. Expect minimum share capital of KSh 10,000. You can apply online on SaccoLink and we'll send your application to Universal Traders.

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

Give Universal Traders 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. Universal Traders 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.