M-Sacco is a mobile banking platform which enables our FOSA members to transact through their mobile phones at the comfort of their work places/homes. Services offered via this platforms includes Cash withdrawal, cash deposit, Mini-statements, Balance Enquiry Etc.

Key Requirements:

  • FOSA Savings accounts holder
  • Registration for the service - application forms available online (downloads)/ Note: Registration applies to M-PESA registered Safaricom lines only
  • Your MPESA PIN (required for Deposit)
  • MSACCO PIN (Required for Withdrawals)

Way to Access Service

  • M-Sacco Deposits – This option is NOT available on the M-Sacco menu when you dial *346#. But it can be accessed through M-PESA menu PAYBILL option. I.e. Deposit via Safaricom's PAYBILL No. >146320; >FOSA Account No.; >Amount to Deposit: > MPESA PIN. You will receive a confirmation message of the deposit made.
  • Withdrawal and Enquiries - Dial *346# or use Safaricom SIM toolkit>Safaricom+>M-Banking Services>Select your Bank>Select MSACCO>Enter MSACCO PIN to access MENU

More details on how it works - Kindly review the attached guidelines