Utabibu Regulated Non-WDT-Sacco

The Utabibu M-Pesa Paybill number is 822950. Use 3-letter product code + ID number, no spaces, e.g. DEP12345678 (DEP deposits, SHA shares, PGD programmed deposits, BEN benevolent fund) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 822950, then the account. Use 3-letter product code + ID number, no spaces, e.g. DEP12345678 (DEP deposits, SHA shares, PGD programmed deposits, BEN benevolent fund) as the account number. Keep the M-Pesa message as your receipt.

You can dial *720# 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 Utabibu branch.

Yes: USSD *720#.

Phone: +254 711 651 574, +254 786 505 050, 020 200 4801 and Email: info@utabibusacco.co.ke.

Utabibu's head office is at Doctors’ Park, 4th Floor, Parklands Avenue Nairobi, Nairobi County.

Bring your national ID and KRA PIN; Utabibu will tell you anything else it needs. You can apply online on SaccoLink and we'll send your application to Utabibu.

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

Give Utabibu 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. Utabibu 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.