Set it once, and M-Pesa sends money to Qwetu by itself every day, week or month. No need to remember.
You can change or stop it any time on *334# under M-Ratiba. Keep enough in M-Pesa on the day it runs.
Bring:
17 forms from Qwetu's website. Each opens the SACCO's own file, so it's always their current version.
We haven't recorded Qwetu's risk fund, loan cover or welfare benefits yet. Know them? Tell us.
Stories from Kenya's co-operative press that name Qwetu. Each opens on the publisher's site.
1 member is on the guarantor board, offering to guarantee each other.
Open the guarantor boardThe Qwetu M-Pesa Paybill number is 129104. Use Your account number as the account number.
Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 129104, then the account. Use Your account number as the account number. Keep the M-Pesa message as your receipt.
You can dial *879# 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 Qwetu branch.
Yes: USSD *879#.
Phone: +254 111 121600 and Email: info@qwetusacco.co.ke.
Qwetu has 5 offices in Voi, Taveta, Mwatate, Wundanyi and Mombasa. The head office is at Qwetu Sacco Plaza, Voi Town.
You need: open & operate a FOSA account with minimum balance KES 1,000, membership fee KES 500, minimum share capital KES 25,000, monthly long-term deposits, member Protection Scheme (MPS) KES 200 monthly and risk and Retirement Fund (RRF) KES 400 monthly. Expect a registration fee of KSh 500. You can apply online on SaccoLink and we'll send your application to Qwetu.
They're listed under Forms & downloads on this page, each opening the file on Qwetu's own website: Online qwetu sacco membership application form, Change of next of kin and New membership form. You can also apply online through SaccoLink.
They're listed under Forms & downloads on this page, each opening the file on Qwetu's own website: Advance application form, Bosa & fosa loan application form, Business loan application form and Fosa-bosa loan.
Fill in Qwetu's form and hand it in at a branch. They're listed under Forms & downloads on this page, each opening the file on Qwetu's own website: Qwetu dividend plowback form.
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 Qwetu, so ask a branch for the loan form and current terms. If you need a guarantor from Qwetu, its SaccoLink guarantor board lets members guarantee each other.
Give Qwetu 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. Qwetu 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.
Details from the SACCO's official website. Last checked 24 Oct 2026. Something wrong or missing? Suggest an edit.
Fill in a short form and we send it to the SACCO. Free.
Apply to join Find a guarantor Buy sharesWork at Qwetu?
Manage this page: contacts, hours, M-Pesa codes and dividend rates, and see who applied to join.
Manage this page
SaccoLink