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



  • Upon receiving the M-Sacco registration confirmation Message (sms) and PIN, you are required to change your starting PIN to PIN of your choice as long as 4 digits.
  • To allow you to change your PIN first send a short message to the 21332
  • Dial *346# then select answer/ok/reply depending on your handset to get to M-Sacco service menu in the first time you are accessing the service, you will be required to change your starting PIN in order to access full menu.
  • 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 finally confirm your new pin.
  • After changing your PIN you will receive an sms saying Your PIN has been changed successfully
  • Use this new pin always for your M-Sacco transactions.

M-Sacco Menu

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

  • Withdrawal
  • Balance enquiry
  • M-Yetu Loan
  • Loan repayment
  • FOSA – BOSA transfer
  • Transfer
  • Mini statement
  • 98.More

    Reply with the desired option.


  • Go to your M-pesa menu Select pay bill option
  • You will be required to enter Business number.
  • Enter, 512100
  • Enter your FOSA account number in this format: e.g. (1018920) Note that the account number has 7digits
  • Enter the amount you would like to deposit then press ok/send.
  • Enter your M-pesa PIN and press ok/Send
  • You will receive confirmation from M-pesa that confirmation Kshs xxxx send to Yetu Sacco for account. 1018920
  • Withdraw

  • Select option 2.
  • Then select account number,
  • Enter option 1 then press ok/enter/reply.
  • Enter amount to withdraw e.g. 1000
  • Enter your M-Sacco PIN and Wait for confirmation
  • 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.

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