M-Sacco FAQs

Access M-Sacco service via USSD or M-Sacco APP

• Dial *346# (USSD) on your phone
• M-Sacco App can be downloaded from the Google Play Store.
• A onetime pin is required to activate the Mobile App.
• A four digit start pin will be sent to your mobile via sms, use it to login change your pin.
• An SMS confirming pin change shall be sent to your phone.
• A menu will appear on your screen. It consists of:

My Account

• You can check balances, last five transaction as mini statements, request for e-statements, and change pin

Funds Transfer

• Internal transfers- Customers can transfer money within any of their FOSA accounts. Transaction charges apply where applicable
• Transfer to another member- Customers can transfer money to another member by keying in the recipient’s member number. The money will be transferred to the recipient member’s account.

Mobile Wallet

• This function allows you to transfer money to your mobile network operator wallet.

Airtime Top-Up

• You can now buy airtime directly from your ordinary saving account.

Customer Enquiries

• You can now send messages to customer care for assistance

Instructions on How to Deposit Money Using Pay Bill

Go to M-PESA , then Lipa na M-PESA

Enter 854845 as the business number

For payment into deposit, Enter your five digit Member number e.g S02-00000

For payment into shares, enter your five digit Member number S01-00000

For Payment into Ordinary saving account enter you Account number e.g. 0102-001-00000

Enter the amount you wish to deposit (between Ksh10 – Ksh70,000)

Enter your M-PESA PIN

Confirm details are correct and press OK!