UN SACCO is a savings and credit co-operative society for staff of the United Nations and other affiliated agencies with the aim of creating an environment to encourage Members to save and get affordable credit.

UN SACCO membership comes with the following benefits:

  • Opportunity to save in a fast-growing SACCO
  • Enjoy the most efficient loan appraisal process and shortest loan processing of 24 hours
  • High returns on investments
  • Access to affordable credit products.
  • Broad selection of products customized to meet Members’ needs
  • Education in proper management of finance and investment practices – Financial Management

UN SACCO membership is open to:

  • Staff of United Nations Agencies
  • Staff of Diplomatic Missions and approved International Organizations in Kenya
  • Immediate family members of the primary Members – Spouses and Children
  • Staff of UN SACCO

A Member is required to fill in the membership application form, provide a copy of their national ID or Passport, their employment letter or pay slip, KRA Pin certificate and a passport size photograph.

Click here to download the Membership Application form.

FOSA is simply Front Office Services Activities. You can operate your FOSA just like any other “Bank” account. Every member by default has a FOSA Account. The account deals with cash and cash transactions.

It is a requirement by the Regulator that all SACCO’S have a minimum amount of share capital and therefore all Members should have some shares to qualify them to be part of the owners of the SACCO. In our case, KES. 50,000 has been set as the minimum amount to be maintained by every Member.

Share Capital earns a Member dividends annually.

We have designed our system so that each Member must contribute a minimum KES. 50,000 in Share Capital before they can build up their deposits.  Share Capital can be contributed in installments or in one lump sum by a Member.

A Member can increase his/her share capital by making a direct deposit to our bank account or a Funds transfer to our bank account.

One may also use the mobile banking option through the QC Wallet App or the USSD Code *605*5#

Share Capital will not be used to qualify you for loans nor is it withdrawable at any time; this forms our core capital.

No member, other than a co-operative society, shall hold more than one-fifth of the issued and paid-up share capital of any co-operative society.

To maintain an active account, all Members are required to make monthly contributions of at least KES 2,300.

We base loans on Member deposits; the higher the deposits, the greater your ability to borrow. Deposits also earn interest on an annual basis.

Dial *605*5#-pin> Payment> To deposits/loans> Source Acc Mpesa/FOSA> Amount-Pin (if source is mpesa)> Finish

A Member will require

  • A dully filled loan application form
  • A minimum of three (3) to five (5) guarantors who must be active Members and have continuously contributed for at least six months.
  • A Certified current employment letter and a current certified pay slip.
  • A copy of an acceptable form of identification (National ID/Valid Passport)
  • Except for settling down loan a Member must have been an active contributing Member for at least three months

Except for the Secured Asset Loan or loans within a borrower’s deposits, all other loans must be guaranteed by at least three to five Members of the Sacco.

Loans are based on a member’s deposits, ability to repay and nature of employment contract up to a maximum of KES. 40 million.

A Member can have as much as his or her ability to repay the loans allow. The total of the loans, however, should be within the 4 times multiplier. 3 loans (3 normal loans or 2 Normal loans and a Loyalty/Premier loan or 1 normal loan, 1 premier loan and 1 loyal loan)

A Member can transfer his/her deposits from another Sacco to the UN SACCO. A Member who does so is treated as an existing (old) Member even if he/she has just joined UN SACCO. That means he/she can apply for a loan immediately or he/she can enjoy a waiver of the three months waiting period.

The Sacco has set a minimum amount of contribution to deposits that a Member must make monthly based on the amount of loan one has borrowed. This contribution is besides the loan repayment.

SASRA (Sacco Societies Regulatory Authority) is a regulatory body enacted by parliament to regulate all SACCO’s operating FOSA’s. The law came into effect on 18th June 2010. UN SACCO is regulated by SASSRA since we are operating FOSA.

There are two options:

  • In the event of a refund due to the Member, thirty-day notice is required.
  • A surrender of 1.05 percent of the deposits being withdrawn is required for an immediate withdrawal.

Absolutely yes, all you need to do is place a standing order or give postdated cheques towards your monthly deposits to ensure your account remains active.



+254 20 762 2700

Online Banking is an online service that allows members to access and manage their accounts digitally, such as View of Member account balances, Access of full Member statements, Internal funds transfer to
personal Sacco accounts i.e., Deposits, Share Capital and Junior Accounts, View of current running loans, View of loan guarantors

You can access the Internet Banking services by visiting UnSaccoDT|Login  and registering through the “First time user? Sign up” icon.

You will be required to key in the below information to register for Internet Banking:

  • New member number
  • Nation Identification/ Passport Number
  • Registered phone number
  • Full name
  • Gender
  • Date of birth
  • Email Address

Please note that, Personal details already registered with the Sacco will be validated for the activation.