Zoghori Regulated Non-WDTSacco

The Zoghori Non-WDTSacco M-Pesa Paybill number is 4077167. Use ID number # product key, e.g. 12345678#DE (SH = share capital) as the account number.

Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 4077167, then the account. Use ID number # product key, e.g. 12345678#DE (SH = share capital) as the account number. Keep the M-Pesa message as your receipt.

You can dial *346# and use the Zoghori Kapu App 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 Zoghori Non-WDTSacco branch.

Yes: USSD *346# and the Zoghori Kapu App app.

Phone: +254 720 615 062, +254 732 615 062, WhatsApp: 254720615062 and Email: info@zoghorisacco.com.

Monday to Friday 8 am – 5 pm, Saturday 8 am – 1 pm.

Zoghori Non-WDTSacco has 2 offices in Mwatate and Wundanyi. The head office is at Tilu Bilu Building, Digo Road, Mombasa.

You need: age 18+, application form (online or physical), one recent coloured passport photo, copy of ID (National ID, Military ID, Passport), identification for next of kin, copy of KRA PIN and registration fee Ksh 1,000 + minimum 25 shares @ Ksh 20. Expect a registration fee of KSh 1,000 and minimum share capital of KSh 500. You can apply online on SaccoLink and we'll send your application to Zoghori Non-WDTSacco.

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

Give Zoghori Non-WDTSacco 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. Zoghori Non-WDTSacco 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.