• 1.Saccolink ATM Card

Our VISA branded ATM card is available to members. To improve our member experiences while providing the much needed convenience, we were the first Sacco to bring to the members the Instant Saccolink Card Issuance Solution.

This enables our members to receive their ATM cards immediately upon application. Members are encouraged to withdraw cash from any Co-operative Bank ATM machines or any VISA enabled ATM machine for any bank available across the country.

Benefits to members
  • Member receives Saccolink ATM card immediately upon application
  • Member can access money anytime anywhere as one can withdraw money from any Visa Branded ATM machine for any bank available
  • Member can use the card to make payments e.g paying for fuel, shopping at the supermarket
  • E-commerce – Member can make online payments at the comfort of their homes. For example, paying up for Netflix, shopping online on Jumia, Amazon etc
  • Members can access services at any Coop Kwa Jirani agent available. The services include making deposits, withdrawals and paying for utilities
How to apply for Saccolink ATM Card

Traditionally members used to fill the ATM/M-CASH Application Form at any of our FOSA outlets for processing. This process continues.

We however have good news to our members. We are now able to have you visit our Nairobi FOSA branch, apply for an ATM card and get it instant upon application

  • 2. Mobile Banking (M-CASH Access Code *357#)

We have invested in a mobile banking platform known as M-CASH. The M-CASH Platform links the member’s FOSA Savings Account to the member’s mobile phone. The platform is availed to members through the USSD code *357# or the M-CASH App on Google Play Store

Members can use this platform to get the following services:
  • Withdrawals
  • My Account (Balance enquiry, Mini statements, Update e-mails, Funds transfer)
  • Loans (Loan Requests, Loan Repayments, Check Loan status)
  • Airtime Top up
  • ATM (ATM Request, ATM Stoppage)
  • Deposits (Member Deposits Contribution, Sink Fund Contribution, FOSA Savings contribution)
  • PIN Change
  • Transfer funds
  • M-Boosta Loan Application
How to apply for M-CASH

Member can download the ATM/M-CASH Application Form, fill, attach the form and ID and deliver physically to any of our FOSA outlets, send via EMS or attach and send via info@harambeesacco.com

  • 3. Paybill Number- 525200

We have invested in a mobile banking platform known as M-CASH. The M-CASH Platform links the member’s FOSA Savings Account to the member’s mobile phone. The platform is availed to members through the USSD code *357# or the M-CASH App.

  • The Sacco paybill number is 525200.
  • Members can now repay their loans and / or make monthly contributions by depositing funds to their FOSA savings account though paybill.
  • Procedure for using PAYBILL is:
    • Go to M-Pesa
    • Lipa na M-Pesa
    • Select Paybill option
    • Enter Harambee Business number 525200
    • Enter your full FOSA Account number (5050XXXXXX000) ; where xxxxxx represents the 6-digits membership number
    • Enter Amount
    • Enter M-Pesa PIN
    • Send

  • 4. Internet Banking (Member Portal)

Through the member’s portal on “selfservice.harambeesacco.com” a member can be able to:

  • Check Account Statements
  • Update own records
  • Loan Application

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