M-SACCO is a special product designed to help our members Transfer, Deposit, Withdrawal, borrow money etc at their door steps.


  1. Upon receiving the M-Sacco registration coni�?rmation Message (sms) and PIN, you are required to change your starting PIN to PIN of your choice as long as 4 digits.
  2. To allow you to change your PIN i�?rst send a short message a�?starta�? to the 21332
  3. Dial *346# then select answer/ok/reply depending on your handset to get to M-Sacco service menu in the i�?rst time you are accessing the service, you will be required to change your starting PIN in order to access full menu.
  4. To change PIN, select answer/ok/reply depending on your handset and enter your Starting PIN. You will be required to enter your new PIN and i�?nally coni�?rm your new pin.
  5. After changing your PIN you will receive an sms saying a�? Your PIN has been changed successfullya�?
  6. Use this new pin always for your M-Sacco transactions.

M-Sacco Menu

How to subscribe Dial *346# Enter your PIN Option numbers.A�

  1. Withdrawal
  2. Balance enquiry
  3. M-Yetu Loan
  4. Loan repayment
  5. FOSA – BOSA transfer
  6. Transfer
  7. Mini statement


Reply with the desired option.


To withdraw money from FOSA account to Price of penegra 50 M-pesa

  1. Select option 2.
  2. Then select account number,
  3. Enter option 1 then press ok/enter/reply.
  4. Enter amount to withdraw e.g. 1000
  5. Enter your M-Sacco PIN and Wait for coni�?rmation


  1. Go to your M-pesa menuA� Select pay bill option
  2. You will be required to enter Business number.
  3. Enter, 512100
  4. Enter your FOSA account number in this format: e.g. (1018920) Note that the account number has 7digitsA�
  5. Enter the amount you would like to deposit then press ok/send.
  6. Enter your M-pesa PIN and press ok/Send
  7. You will receive coni�?rmation from M-pesa that coni�?rmation Kshs xxxx send to Yetu Sacco for account. a�? 1018920a�?

Loan repayment

Select option 3 to repay your outstanding loan

Balance enquiry

Select option 4 for balance enquiry.


Select option 5 to unsubscribe from M-Sacco access alerts.