Call Us (+254) 722004065, (+254) 722002685

  • Update Next of Kin

  • App and USSD
  • FOSA Salary Account

  • App and USSD
  • Miradi Loan
  • Miradi Loan
  • Have you updated your Next of Kin?

    Download form here

  • Safaricom SACCO App

    • Download our App on the google play store MSacco+ and transfer money from FOSA to any Bank A/C
    • Or  use USSD Code by dialling *346#
  • FOSA Salary Account

    You can channel your salary to the Sacco via FOSA A/C
  • Lipa Na Mpesa

    Save yourself the hustle. Pay your deposits/shares and repayments using paybill number 505100
  • Childrens Account

    Children are the future. Save for them and earn 7.5% interest.

    Learn more

  • Miradi Loan

    Borrow upto 30 Million KES. 
    Title deed and your home can be part of the collateral

    Learn more

  • Insurance Premium Finance

    • Interest rate 1% P.M on reducing balance
    • Repayment in 6 months
    • No guarantors required

    Learn more

  • Hand of comfort

    Save your family a fortune in funeral expenses. Join hand of comfort and get much more in your hour of grief

    Learn more

  • Car Loan

    Own your first car or an upgrade through the SACCO. You can now purchase imported or locally purchased car at 1% p.m and repayment of up to 48 months.

Limited Plots Available in Naivasha!!!

Our Partners

Join Us

Safaricom Sacco is open to Corporates, Individuals Introduced by Sacco members, SME's, Small Sacco's and Chama's. Join us,The best managed Sacco!

Learn how


The Society is managed by Board Members comprising of 12 members and 3 supervisory Committee. The Sacco has 2 branches, one in Mombasa road and Safaricom Care Center but there are plans to open other branches across the country since membership was opened to the public.
Members are represented in all regions by over 60 champions. The champions are trained on Sacco products and services hence they act as eye of the Sacco in the regions. They also represent members in their regions during AGM and champions Forums.
The board..

STRATEGIC PLAN YEAR: ( 2014 – 2018)

In the next five years, the Sacco aims at achieving several overall goals, which include:
  • Being a one-stop shop for financial services for the members,
  • Growing the SACCOs member base to 10,000 members,
  • Attaining a loan portfolio of 10 billion Kenyan Shillings and saving base of 10 billion Kenyan Shillings and becoming a top 10 ranking in the SACCO sector.

Download the strategic plan it here..


The Sacco has fully embraced ICT through computerized products and services. All the business processes are automated hence members are able to access FOSA funds, loans and statement at their comfort. Some of the services provided are; VISA branded ATM’s, Mobile banking, online member’s portal, Loan Application through the phones, and many more.
The SACCO also has active social media accounts and a unique website that enables the staff to interact with the members online.


The fact that all the processes are automated gives a competitive advantage to enrol members all over the world. Our products are customized to meet our member’s needs and the current technological trends i.e. online loan application leading to paperless office.
We are different from the banks or DTMs because we listen to our members, take care of their interest based on mutual trust built on their loyalty, give affordable loans and reasonable returns and at the same time offer financial advice.
While we enrol new members, our major aim is to merger with small Sacco in order to benefit from economies of scale therefore Small Sacco’s are not a threat to us they are our target market.

Download our company profile here..

  • Vision

    "To be the financial services partner of choice".
  • Mission

    "We transform our members’ lives through provision of affordable, innovative and accessible financial services".
  • Motto

    Empowering You!'
  • Core Values...

    The following are the core values of Safaricom SACCO (abbreviated as CIRI)...
    • Customer Focus....

      The SACCO shall focus its resources to meeting the financial services needs and expectations of its members in its service delivery.
    • Integrity...

      The SACCO and its staff shall be truthful and transparent while serving the members. The SACCO shall be responsive and proactive in solving issues that come up in the process of its service delivery.
    • Reliability...

      Safaricom SACCO shall endeavour to meet the expectation of its members and seek to deliver on its brand promise.
    • Innovation...

      Safaricom SACCO shall strive to develop products and services that effectively meet the current and future financial needs of its members. The SACCO shall encourage and support innovation and initiative among its staff members in the improvement of its processes, products and service delivery.

Our Vision and Mission

To be the financial services partner of choice


We transform our members’ lives through provision of affordable, innovative and accessible financial services

Our Location

We have two offices in Nairobi:

Main Office, Westlands Safaricom Care Centre (SCC) First Floor.

JCC Office, Mombasa Road, Sarin Park (JCC) Ground Floor

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