Services

Your Sacco, open 24/7

Ways to bank

Ways to bank with Tai Sacco

Choose a service below to focus on what you need, or view every available way to bank.

  1. 01

    Mobile Banking

    *645#

    Life made easier: easy and friendly banking at your comfort, anywhere, any time. Dial *645# or download the Tai Sacco App.

    Services on registration

    • Enquiries
    • Transactions
    • Loans
    • My Account
    • Statements
    • Refer a friend

    How to access

    • Dial *645# on any handset, or download the Tai Sacco App below.

    Note: you can change your Tai Spotcash PIN under option 7 – My Account. Keep your PIN secret; Tai Sacco is not liable for loss of money through mobile phone withdrawal by a third party.

    Get it on Google PlayDownload on the App Store
  2. 02

    E-Loan

    Straight to M-PESA
    Credited to
    M-PESA

    Mobile loans you request from your phone, with the funds sent direct to your M-PESA.

    Digital loans - check eligibility and request

    • M-Kazi
      • Applicable to salaried members (salary, tea, milk, pension) with no loans
      • Payable by equal monthly instalments
      • Period: 1, 3 or 6 months
      • Maximum limit: KSh 50,000
      • Funds accessible direct to M-PESA
    • M-Biashara
      • Applicable to business members with no loans
      • Payable by equal monthly instalments
      • Period: 1, 3 or 6 months
      • Maximum limit: KSh 50,000, with an exception of members with NWDs greater than KSh 50,000, to a maximum of KSh 200,000
      • Funds accessible direct to M-PESA
    • M-Matunda
      • Applicable to interest eligible members
      • Eligible amount as defined in the Matunda advance policy
      • Payable upon dividend/interest processing
      • Maximum period: 3 months
      • Security: dividend payout
      • Funds accessible direct to M-PESA
    • Mtai Loan
      • Instant micro-credit for everyday personal or quick business operational expenses
      • Period: 1 month
      • Maximum limit: KSh 20,000
    • Inua Credit LineDetails coming soon.
  1. 03

    Online Banking

    Web & member portal

    Manage your accounts, view statements and move money from your computer or browser - wherever you are in the world.

    What you can do

    • Check balances and mini-statements
    • View and download account statements
    • Move money between your own accounts
    • Update your details and communicate with us securely

    How to access

    • Ask any branch to activate online banking on your account.
    • Diaspora members can activate online banking as part of account opening.

    Prefer mobile? Everything here is also available through the Tai Sacco App and *645#.

    Log in to the Member Portal

Trusted networks

Send, receive and deposit money through partners members already know - at every Tai Sacco branch.

  • M-PESA
  • Western Union
  • MoneyGram
  1. 04

    M-PESA PAYBILL

    644700
    Pay via
    M-PESA

    Both members and non-members can deposit directly to the Sacco using M-PESA PAYBILL number 644700.

    Steps

    • Go to the M-PESA menu on your phone and select Lipa Na M-PESA › Pay Bill.
    • Enter business number 644700.
    • Enter your account number (savings, group, loan or shares account).
    • Enter the amount and your M-PESA PIN, then complete the transaction.

    Good to know

    • Group members can deposit to their group account directly.
    • Non-members can deposit to an existing account.
    • Loan repayment can be done directly to a loan account, provided the loan account is entered correctly.
    • Members can contribute to their shares account directly using this channel.
  2. 05

    Western Union International

    200+ countries
    Official agent
    Western Union

    Receive cash from abroad at all our branches. Western Union covers more than 200 countries worldwide.

    Details required

    • Sender details
    • Amount sent
    • Original identification card for the receiver
  3. 06

    MoneyGram

    Same-day
    Official agent
    MoneyGram

    MoneyGram makes receiving money transfers easy and convenient through our worldwide network, with same-day service.

    Receiving money in three easy steps

    • Step 1 - Request the reference number from the person sending you money.
    • Step 2 - Visit any of our branches with the reference number and identification (passport or national ID).
    • Step 3 - Complete the 'receive' form available at our branches. The form is required to pick up transferred money. Complete all fields and: include the reference number, show your identification and, once verified, receive your money.
  1. 07

    WhatsApp Banking

    0704 420 000

    Bank with us straight from WhatsApp - no app download needed. Send "Hi" and pick a service from the menu.

    What you can do

    • 1. Enquiries
    • 2. Transactions
    • 3. Loans
    • 4. My Account
    • 5. Statements
    • 6. Refer a Friend
    • 7. Payments

    How to start

    • Save 0704 420 000 (Tai Sacco WhatsApp Banking) on your phone.
    • Send "Hi" on WhatsApp to get the "Welcome to TAI SACCO" menu.
    • Reply with the number of the service you need and follow the prompts.

    WhatsApp Banking uses the same secure PIN as your mobile banking - never share it with anyone.

    Chat on WhatsApp
  1. 08

    Safe Custody

    Document storage

    Secure storage protecting critical legal and financial documents from theft, fire, or damage.

    Best used for

    • Title deeds, share certificates, wills, contracts and legal documents.
  2. 09

    Bankers Cheques

    Guaranteed payment

    Guaranteed payment instruments that assure recipients of available, cleared funds.

    Best used for

    • Land acquisitions, vehicle transactions, tuition payments and large commercial purchases.
  3. 10

    Personal Cheques

    Chequebook

    Chequebook facilities linked to eligible accounts for flexible payment management.

    Best used for

    • Business payments, vendor settlements, rent and private transactions.
  4. 11

    Standing Orders

    Automated

    Automated recurrent transfers to streamline your routine financial obligations.

    Best used for

    • Monthly savings, loan repayments, rent, school fees and insurance premiums.
  5. 12

    Visa ATM Cards

    Worldwide
    Accepted wherever you see
    Visa

    24/7 global access to your cash via all Visa-enabled ATMs and Point-of-Sale (POS) merchants.

    Best used for

    • Cash withdrawals, balance enquiries and retail/online shopping worldwide.

    How to get your card

    • Open an account with us at any branch.
    • Request for registration of the Visa branded ATM card at your branch.

Security notice: TAI DT Sacco will never ask for your PIN or one-time password. Report suspicious messages to +254 709 522 800 immediately.