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Getting Started With MSACCO

Contact MSACCO helpline This page will help you to know how to get up and running with MSACCO app and begin transacting right away.

For the
  • Online
  • Unbanked
  • Underbanked
People. MSACCO App at your service.

Images below show and explain how a new user of the MSACCO app ecosystem, after downloading and installing the app, can self register to a SACCO of their choice, onboard and start transacting on the go

landing screen

User inserts their phone number

The phone number is needed because it is one of the KYC a SACCO needs when registering.

Verify phone number page

User is sent an OTP

This OTP is needed for phone number verification.

SACCO selection screen

User is asked to select SACCO of choice

A list of SACCOs and MFIs appears on this page and a user is required to select ONE, that they want to join.

Identification and Contacts details page

User inserts their detailed information

The page requires the user to enter some details that uniquely identifies them from the public

For the
  • Feature Phone
  • Unbanked
  • Underbanked
People. MSACCO USSD at your service.

MSACCO has a USSD option for users who don’t have access to the mobile app or having challenges with mobile data. Steps below explain how one can do basically any operation via USSD.

Joining MSACCO

Are you a SACCO member who wants a MSACCO number?

  1. Dial *165*6*3# on MTN or *185*7*3# on Airtel
  2. Enter SACCO ID (msacco)
  3. Select 1 to proceed
  4. Select option 6 for joining
  5. Follow the prompts there after

Making a deposit

  1. Load money to your MTN or AIRTEL Money account.
  2. Dial *165*6*3# on MTN or *185*7*3# on AIRTEL.
  3. Enter you SACCO ID ( msacco)
  4. Select 1 to proceed
  5. Choose Deposit and follow the prompts

Withdrawing on MTN

  1. Dial *165*6*3#.
  2. Enter your SACCO ID.
  3. Enter Member ID (account number).
  4. Choose Withdraw and follow the prompts.
  5. Enter Amount to be drawn to Mobile Money wallet account from SACCO.
  6. Enter Mobile Money PIN.

Check balance on MTN

  1. Dial *165*6*3#
  2. Enter SACCO ID
  3. Enter Member ID (account number)
  4. Choose Check Balance
  5. Enter SACCO PIN

Check balance on Airtel

  1. Dial *185*7*3#
  2. Choose Check Balance
  3. Enter SACCO ID
  4. Enter Account number
  5. Enter PIN to confirm
  6. Deposit and follow the prompts

Our Awards: First African company to win the Global SME Finance Platinum Award for Product Innovation of the year 2022