Pay your monthly deposits, shares and loan repayments by M-Pesa. Find your SACCO's Paybill and what to put as the account number.
Updated 24 October 2026. Every entry comes from the SACCO's own published information; tap a SACCO for its full details and the source. Spotted something out of date? Use "Suggest an edit" on the SACCO's page.
| SACCO | Paybill | Account number |
|---|---|---|
| 2NK Sacco Society Ltd Nyeri |
4017021 | Ask the SACCO (often your member number) |
| Adventist Regulated Non-WDT- Sacco Nairobi |
977210 | Ask the SACCO (often your member number) |
| Afya Sacco Society Ltd Nairobi |
570200 | Membership number plus product code (e.g. 12345678NORL for Normal Loans) |
| AIBK Regulated Non-WDT-Sacco Nairobi |
955900 | Member number (AIBK-XXXX) |
| Airports Sacco Society Ltd Nairobi |
182239 | Product CODE followed by your ID number, no spaces (e.g. DEP12345678 for deposits, SHA for shares, loan codes like HF1/MBL) |
| AMREF Regulated Non-WDT-Sacco Nairobi |
840300 | Member Number + product code, e.g. MemberNumber-DEP (deposits), MemberNumber-SHA (share capital), MemberNumber-NOL (normal loan) |
| Azima Sacco Society Ltd Kiambu |
531231 | Ask the SACCO (often your member number) |
| Balozi Regulated Non-WDT-Sacco Nairobi |
855600 | Membership number |
| Bandari Sacco Society Ltd Mombasa |
146320 | Ask the SACCO (often your member number) |
| Banki Kuu Regulated Non-WDT- Sacco Nairobi |
570300 | Staff number or membership number + '#' + product short code (e.g. BKS01234#Dev for Development loan) |
| Barabara Regulated Non-WDT-Sacco Nairobi |
4235562 | Member number followed by # and product shortcode, e.g. 000989#DEP |
| BAT Regulated Non-WDT-Sacco Nairobi |
400222 | 446110# followed by your name (no spaces) |
| Bestrock Regulated Non-WDT-Sacco Kitui |
938657 | Ask the SACCO (often your member number) |
| Biashara Sacco Society Ltd Nyeri |
400300 | ID number or account number or member number (Smart Member Savings: SCHEME_0009, sent from the phone number the smart account was opened with) |
| Biashara Tosha Sacco Society Ltd Embu |
4030429 | Ask the SACCO (often your member number) |
| Boresha Sacco Society Ltd Baringo |
545500 | Ask the SACCO (often your member number) |
| Braemeg Regulated Non-WDT-Sacco Nairobi |
4124057 | Complete Sacco membership number (e.g. 01234). Alt: Co-op Bank Paybill 400200, account 01120000540400 |
| Chuna Sacco Society Ltd Nairobi |
561999 | Ask the SACCO (often your member number) |
| Cosmopolitan Sacco Society Ltd Nakuru |
883050 | Your full Cosmopolitan Sacco account number |
| Davis & Shirtliff Regulated Non-WDT- Sacco Nairobi |
400222 | 101667#<member number>, e.g. 101667#A461 (Co-op Bank paybill) |
| Digital Media Regulated Non-WDT- Sacco Nairobi |
542431 | Your phone number |
| Dimkes DT Sacco Society Ltd Kiambu |
804800 | Product prefix followed by member number (SN normal shares, SC share capital, DN deposit/current, DS smart saver, JN junior, LN loan repayment), e.g. DN***** |
| Dudu Regulated Non-WDT-Sacco Nairobi |
574703 | Membership Number + transaction code, e.g. 0000DEP (deposits), 0000SHC (share capital), 0000DVL (development loan) |
| Egerton University Sacco Society Ltd Nakuru |
798073 | Ask the SACCO (often your member number) |
| Elimu Sacco Society Ltd Nairobi |
969800 | Six-digit membership number followed by transaction code (membership fee: A/C is your phone number) |
| Enea Sacco Society Ltd Nyeri |
7256487 | '3' followed by your account number (site text: type '3' followed by your specific account number / '3-') |
| EPZA Regulated Non-WDT-Sacco Machakos |
720948 | Ask the SACCO (often your member number) |
| Exams Regulated Non-WDT-Sacco Nairobi |
400222 | 14762#YourName+Payroll/Member No+Narration, no spaces (e.g. 14762#jumabakari12345deposits) - Co-op Bank paybill |
| Fariji Sacco Society Ltd Kiambu |
519374 | National ID number |
| Finnlemm Regulated Non-WDT- Sacco Nairobi |
528400 | National ID number followed by product code, e.g. 12345678DP (SC share capital, DP deposit, FD, HS, JA, SA; loan codes e.g. PRL, EL, FINN) |
| Fortune Sacco Society Ltd Kirinyaga |
852648 | Account number |
| Fundilima Sacco Society Ltd Kiambu |
411535 | Ask the SACCO (often your member number) |
| GDC Sacco Society Ltd Kiambu |
639498 | ID number / Membership number |
| Goodway Sacco Society Ltd Kirinyaga |
513800 | Ask the SACCO (often your member number) |
| Grain Bulk Regulated Non-WDT- Sacco Mombasa |
4023329 | Account No. 63649 (as given for M-Loan repayment) |
| Gusii Mwalimu Sacco Society Ltd Kisii |
283052 | National ID |
| Harambee DT Sacco Society Ltd Nairobi |
525200 | Membership fee: your ID number (deposits go to FOSA savings account; other account formats not stated) |
| Hazina Sacco Society Ltd Nairobi |
850436 | ID number followed by product short code, e.g. 12345678DEP (ENT entrance fee, DEP deposit, WEF welfare, SAV savings) |
| Imarisha Sacco Society Ltd Kericho |
982100 | ID number (e.g. 12345678) or Sacco account number; for a specific product prefix the product code to the ID, e.g. DE12345678 (BOSA deposit), EL12345678 (emergency loan) |
| Jamii Yetu Sacco Society Ltd Meru |
587649 | Member number |
| Jogoo Sacco Society Ltd Nairobi |
910600 | Membership No. or PF No. |
| Joinas Sacco Society Ltd Kiambu |
317150 | Ask the SACCO (often your member number) |
| KEMRI Regulated Non-WDT-Sacco Nairobi |
4080767 | Name/member no./payroll no. + product code, e.g. 'Jose Mourihno***DEP' (DEP deposit, NOR normal loan, EM emergency, EDU school fees, INST instant, HOL holiday, SHR share capital) |
| Kentours Regulated Non-WDT-Sacco Nairobi |
194740 | Product code followed by membership number, e.g. NML234567 (Normal Loan), DEP234567 (deposits) |
| Kenversity Sacco Society Ltd Nairobi |
577820 | Product code + membership number: deposits 'DEP' + member no. (e.g. DEP0001); loans first 3 letters of loan type + member no. (e.g. NOR0001); FOSA savings 'KNS' + member no. (e.g. KNS0001) |
| Kenya - USA Diaspora Regulated Non-WDT-Sacco Nairobi |
577427 | Membership number + # + product keyword, e.g. KD01234#NOL (Normal Loan), #EML (Emergency), #DVL (Development) |
| Kenya Highlands Sacco Society Ltd Kericho |
825920 | Your ID number |
| Kenya Medical Association Regulated Non-WDT-Sacco Nairobi |
540900 | Product keyword + 5-digit member number, e.g. DEP***** (DEP deposits, SCA share capital, DEV/EMG/... loans); for joining fee use ID No./Membership No. |
| Kenya Re Regulated Non-WDT-Sacco Nairobi |
855850 | Member number |
| Kewisco Regulated Non-WDT-Sacco Nairobi |
902250 | ID number / EST number |
| Kico Regulated Non-WDT-Sacco Nairobi |
973110 | Your name (as registered) |
| Kimisitu Sacco Society Ltd Nairobi |
911200 | ID number + product code |
| Kinga Regulated Non-WDT-Sacco Nairobi |
400222 | 501617#NAME OF MEMBER (12 characters max). Alternative: Co-op Bank paybill 400200, account 01120062957000 |
| Kingdom Sacco Society Ltd Kiambu |
521000 | Your ID number (initial deposit on joining) |
| Kingsize Regulated Non-WDT-Sacco Nairobi |
592146 | Your Membership Number |
| Kumbukumbu Sacco Society Ltd Nairobi |
598730 | [member number]-[narration code], e.g. xxxx-DEP; codes DEP (deposit), SHC (share capital), HOL (holiday savings), LN (loan) |
| Lainisha Sacco Society Ltd Kirinyaga |
178784 | Ask the SACCO (often your member number) |
| Law Society of Kenya Regulated Non-WDT-Sacco Nairobi |
4119695 | Membership number + product code, e.g. LS-XXXXXDC (DC = deposits; DL/EL/VL/FL loans, SC share capital, CC combined) |
| Magadi Sacco Society Ltd Kajiado |
811100 | Ask the SACCO (often your member number) |
| Maisha Bora Sacco Society Ltd Nairobi |
600110 | Ask the SACCO (often your member number) |
| Mhasibu DT Sacco Society Ltd Nairobi |
540700 | MHS + your member number |
| Mofaa Regulated Non-WDT-Sacco Nairobi |
513802 | Your name / Membership No. |
| Muki Sacco Society Ltd Nyandarua |
469988 | National ID number |
| Mwito Sacco Society Ltd Nairobi |
339650 | Member number followed by the payment code; membership fee: ID number |
| Nacico Sacco Society Ltd Nairobi |
914050 | Ask the SACCO (often your member number) |
| Nafasi DT Sacco Society Ltd Nairobi |
920100 | Your ID number |
| Nandi Farmers Sacco Society Ltd Nandi |
118812 | ID number followed by R for registration fee (e.g. 12345678R); ID number followed by S for savings (e.g. 12345678S) |
| Nation DT Sacco Society Ltd Nairobi |
895790 | ID number + SD for registration/shares & deposits (e.g. 123456SD) |
| Nawiri Sacco Society Ltd Embu |
505368 | Savings account number |
| Ndege Chai Sacco Society Ltd Kericho |
637637 | Prefix + national ID number: DE for deposits (DE 123456789), SA for FOSA savings, loan code for repayments (NL, AL, EL, JL, V) e.g. NL 1234567789 |
| Nimepata Regulated Non-WDT- Sacco Nairobi |
598731 | Sacco membership number (e.g. 24605) |
| NSSF Sacco Society Ltd Nairobi |
819890 | Membership number or National ID number |
| Ollin Sacco Society Ltd Kirinyaga |
480587 | Ask the SACCO (often your member number) |
| Patnas Sacco Society Ltd. Kericho |
982500 | ID number + product suffix: Personal Savings 'XXXXXXXX PA', Sacco B Account 'XXXXXXX SB', School Fees Loan 'XXXXXX SFL', Short Term Advance 'XXXXXX' (replace X with your ID number) |
| PCEA Makupa Parish Regulated Non- WDT-Sacco Mombasa |
886680 | Mobile loan: 55*10 (if paid by someone else: 55*borrower's mobile number, e.g. 55*0726406225); don't use member number. Account rule for other payments not stated |
| Prime – Time Sacco Society Ltd Elgeyo – Marakwet |
914360 | Sacco account number (example given: 5040123401) |
| Qwetu Sacco Society Ltd Taita Taveta |
129104 | Your account number |
| Sauti Regulated Non-WDT-Sacco Nairobi |
339555 | 01120000596900 (fixed account number as shown, = Sauti's Co-op Bank account) |
| Skyline DT Sacco Society Ltd Baringo |
116519 | National ID number / Skyline Sacco account number |
| Southern Star Sacco Society Ltd Tharaka Nithi |
512700 | Southern Star Sacco account number |
| Stima DT Sacco Society Ltd Nairobi |
823244 | Monthly deposit: 802 + 7-digit member number + 00; Share capital: 800 + member no + 00; Prime a/c: 801 + member no + 00 |
| Strategic DT Sacco Society Ltd. Nairobi |
813368 | Member number (e.g. MN0001) |
| Suluhu Sacco Society Ltd Kitui |
737816 | Your member number |
| Tabasuri DT Sacco Society Ltd Mombasa |
839150 | ID number or member number followed by product code (e.g. 123456789DE or 123DE for deposits; SH shares; loan codes such as EM, NL) |
| Tai Sacco Society Ltd Kiambu |
644700 | Your account number |
| Taqwa Sacco Society Ltd Nairobi |
275233 | Member No./ID for FOSA; Mem No./ID-01 for BOSA; loan suffixes e.g. -11 business, -12 emergency, -13 school fees |
| Taraji Sacco Society Ltd Siaya |
926500 | Ask the SACCO (often your member number) |
| Telepost Sacco Society Ltd Nairobi |
822221 | Prefix + ID No.: BOSA Deposits BD+ID; FOSA Savings FD+ID; Share Capital SC+ID; ESS ESS+ID; Benevolent Fund BF+ID; Mdosi Junior MJ+ID; Loans: loan number |
| Tembo Sacco Society Ltd Nairobi |
593643 | Account code prefix + Membership No., e.g. T101MembershipNo (BOSA deposits), T502MembershipNo (FOSA), T200MembershipNo (entrance fee), T301-T310 loans |
| Tenhos Sacco Society Ltd Bomet |
430179 | Ask the SACCO (often your member number) |
| The Kenya Bankers Sacco Society Ltd. Nairobi |
400444 | Ask the SACCO (often your member number) |
| Times U Sacco Society Ltd Meru |
542400 | ID number |
| Tower Sacco Society Ltd Nyandarua |
506900 | 16-digit account number (savings, share deposit or loan account) |
| Ubora Regulated Non-WDT-Sacco Nairobi |
400222 | BOSA: 209739#YOURNAME; IESA: 209743#YOURNAME |
| Ufanisi DT Sacco Society Ltd Nairobi |
979150 | FOSA deposit/loan: full FOSA account number e.g. 95040-xxxx-0000 (xxxx = member number); share deposits: member number followed by D (e.g. 2487D) |
| Ukaguzi Regulated Non-WDT-Sacco Nairobi |
577322 | Member number (use 'UKASH' to repay UKASH loan; ID number for joining fee) |
| Ukombozi Regulated Non-WDT- Sacco Nakuru |
821945 | Membership number or ID number followed by #shortcode (product short code) |
| Ukristo Na Ufanisi DT Sacco Society Ltd Nairobi |
520900 | Product keyword + 6-digit account number, e.g. SHR000001 (SHR share capital, NSV normal shares, REG registration fee, BEN benevolent, loan codes e.g. NLL) |
| Unaitas Sacco Society Ltd Nairobi |
544700 | Your Unaitas account number |
| Unga Regulated Non-WDT-Sacco Nairobi |
400200 | Ask the SACCO (often your member number) |
| Unifying Regulated Non-WDT-Sacco Kiambu |
639641 | Membership number / registration number |
| Unison Sacco Society Ltd Nanyuki |
884219 | Your ID number |
| United Winners Sacco Society Nairobi |
523000 | Ask the SACCO (often your member number) |
| United Women Regulated Non-WDT- Sacco Nairobi |
994300 | Membership number |
| Univision Sacco Society Ltd Kitui |
417325 | ID number + product short code (e.g. 12345678DE) |
| Ushuru Sacco Society Ltd Nairobi |
892800 | Your ID (number) |
| Utabibu Regulated Non-WDT-Sacco Nairobi |
822950 | 3-letter product code + ID number, no spaces, e.g. DEP12345678 (DEP deposits, SHA shares, PGD programmed deposits, BEN benevolent fund) |
| Vision Afrika Sacco Society Ltd Nakuru |
913812 | Ask the SACCO (often your member number) |
| Wakenya Pamoja Sacco Society Ltd. Kisii |
115380 | Account number, e.g. SA01WP00000000 for Ordinary account holders |
| Wanandege Sacco Society Ltd Nairobi |
956200 | Full FOSA account no. (e.g. BRZ-06-1000-xxxx) for FOSA deposits; Member number for shares/member contributions |
| Winas Sacco Society Ltd Embu |
879600 | Account code provided by the Sacco (short form of the account number) |
| Zoghori Regulated Non-WDTSacco Mombasa |
4077167 | ID number # product key, e.g. 12345678#DE (SH = share capital) |
Check the business name M-Pesa shows before you confirm. If a payment doesn't reflect, contact the SACCO with the M-Pesa code.
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