Set it once, and M-Pesa sends money to Unaitas 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.
| Monday – Friday | 8 am – 4 pm |
|---|---|
| Saturday | 8 am – 1 pm |
| Sunday | Closed |
Bring:
Customer member: 10 shares at KSh 10 (KSh 100). Open to any Kenyan aged 18+. National ID/passport and KRA PIN required. No entry fee or monthly minimum stated on the FAQ page.
Apply online We send your application to the SACCO.From The SACCO's website, 27 October 2026. Rates and terms change: confirm with Unaitas before you apply.
We haven't recorded Unaitas's risk fund, loan cover or welfare benefits yet. Know them? Tell us.
Stories from Kenya's co-operative press that name Unaitas. Each opens on the publisher's site.
1 member is on the guarantor board, offering to guarantee each other.
Open the guarantor boardThe Unaitas M-Pesa Paybill number is 544700. Use Your Unaitas account number as the account number.
Go to M-Pesa, Lipa na M-Pesa, Pay Bill, enter business number 544700, then the account. Use Your Unaitas account number as the account number. Keep the M-Pesa message as your receipt.
You can dial *493# 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 Unaitas branch.
Yes: USSD *493#.
Phone: +254 709 253 000 and Email: memberservice@unaitas.com.
Monday to Friday 8 am – 4 pm, Saturday 8 am – 1 pm, Sunday closed.
Unaitas has 31 offices in Nairobi, Thika, Kangari, Gatura, Kiria-ini, Kangema, Nakuru, Naivasha, Juja, Mlolongo, Ongata Rongai, Murang'a, Kanyenya-ini, Gatundu, Kahatia, Mununga, Githumu, Embu, Meru, Kisii, Kisumu, Eldoret, Mombasa, Othaya, Juja Farm and Maai Mahiu. The head office is at Cardinal Otunga Plaza, Nairobi.
You need: visit branch customer care desk, deposit minimum membership fee (OTC or Paybill 544700), identification document, certified copy of ID or Passport, passport photograph (taken at branch), certified copy of utility bill / tenancy agreement, certified copy of KRA PIN certificate and introduction letter from Ministry of Social Services (groups). Expect minimum share capital of KSh 100. You can apply online on SaccoLink and we'll send your application to Unaitas.
10 loans: Personal Loans, Mshahara Loans, Jivunie Development Loan, Kahawa Plus, Imarika Loan, Maono Loans, Biashara Loan, Mortgage Loans, Asset Finance Loan and Payroll Advance. (Source: The SACCO's website. Confirm current terms with the SACCO.)
It depends on the loan and your deposits, and repayments must leave you at least a third of your salary (the 2/3 rule). SaccoLink's loan calculator works out the limit and the monthly repayment.
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 Unaitas, so ask a branch for the loan form and current terms. If you need a guarantor from Unaitas, its SaccoLink guarantor board lets members guarantee each other.
Give Unaitas 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. Unaitas 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 Unaitas?
Manage this page: contacts, hours, M-Pesa codes and dividend rates, and see who applied to join.
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