Winas Sacco Society Ltd

The Winas M-Pesa Paybill number is 879600. Use Account code provided by the Sacco (short form of the account number) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 879600, then the account. Use Account code provided by the Sacco (short form of the account number) as the account number. Keep the M-Pesa message as your receipt.

You can dial *582# 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 Winas branch.

Yes: USSD *582#.

Phone: 0709506000 and Email: info@winassacco.com.

Winas has 14 offices in Embu, Kiritiri, Ishiara, Runyenjes, Makutano, Mutoubare, Siakago, Kianjokoma, Wote, Matuu, Masii, Tala, Mbumbuni and Kibwezi. The head office is at Winas House, Embu Township.

You need: copy of National ID card, copy of KRA PIN certificate, ksh 500 membership fee and fully filled membership form. Expect a registration fee of KSh 500 and minimum share capital of KSh 10,000. You can apply online on SaccoLink and we'll send your application to Winas.

For FY2024, Winas paid 16.5% on share capital and 12.5% interest on deposits (source: Saccos Report Impressive Dividends Payout (Co-op News)). Rates are set each year at the AGM, so future rates may differ.

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

Give Winas 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. Winas 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.