kSacco
REGULATORY COMPLIANT • SASRA (KE) • 100% SAFE SACCO
🇰🇪 SASRA Kenya 🇺🇬 UMRA Uganda 🇹🇿 TCDC Tanzania

Grow Your Savings & Borrow Safely With A SACCO You Can Trust.

Built for SACCO members across Kenya, Uganda, and Tanzania. Deposit savings directly via Mobile Money (M-Pesa/MTN/Airtel), unlock fair 3x loans in minutes without favoritism, and earn higher yearly dividends with 100% protected member records.

Open Member Portal Request Demo for your SACCO
SAVINGS & LOANS
Up to 3x
Fair Member Loan Multiplier & High Yearly Dividends
MOBILE MONEY
< 3.2s
Instant M-Pesa / MTN / Airtel Deposits & Loan Payouts
Unchangeable Audit Trail & Instant SMS Alerts: Every shilling deposited or borrowed is locked in a tamper-proof ledger with real-time SMS alerts sent straight to your phone—zero secret edits, zero stolen savings.
kSacco
Member Savings & Credit Hub
MEMBER PORTAL
Loan Products
2
Emergency, School & Business
Fastest Approval
3 mos
Fair Digital Scoring
Security
SMS + PIN
Unchangeable Audit Trail
Direct Cash
Mobile Money
M-Pesa / MTN / Airtel
Member Portal Login → Explore Member Loans
Are you a SACCO Manager or Board Member?
Request SACCO Demo →
EAST AFRICAN REGIONAL PRICING

Affordable, Transparent SACCO Pricing

Select your country currency below. Fair, predictable pricing across Kenya (KES), Uganda (UGX), and Tanzania (TZS) with zero hidden fees.

Why Members Trust kSacco

Built for East African savers, families, and cooperative groups

  • You Own the SACCO

    Grow share capital and receive yearly dividends straight to Mobile Money

  • Instant SMS Alerts

    Receive an automated SMS confirmation the second any deposit or payout happens

  • Unchangeable Audit Trail

    Protected by personal PIN and an immutable ledger that nobody can alter

  • Regulatory Compliant

    Aligned with SASRA (Kenya), UMRA (Uganda), and TCDC (Tanzania) standards

✦ ALL-IN-ONE SACCO PLATFORM ✦
🇰🇪 SASRA COMPLIANT

Switch currency to view local rate & regulator

KES 35
per active member / month
  • 24/7 Mobile App, Web Portal & USSD Access
  • Direct Mobile Money (M-Pesa / MTN / Airtel) Integration
  • Instant SMS Alerts & Unchangeable Audit Trail
  • Automated Odoo Double-Entry Accounting Ledger
  • SASRA, UMRA & TCDC Prudential Compliance Reports
Open Member Portal → Request Demo for your SACCO
✓ 30-day free trial for SACCOs ✓ No hidden transaction cuts

Start in 3 Simple Steps

Fast digital onboarding via your SACCO Admin

  1. 1
    Accept Your SACCO Invite

    Open the SACCO Joining Link shared by your SACCO Admin via WhatsApp, SMS, or Email

  2. 2
    Deposit via Mobile Money

    Save seamlessly using M-Pesa, MTN Mobile Money, or Airtel Money

  3. 3
    Borrow & Earn Dividends

    Access instant loans up to 3x your savings and earn annual bonuses

Migration Offer for SACCO Boards

Upgrading from spreadsheets or legacy systems? Get 30 days FREE plus complimentary data migration and Mobile Money API setup.

BOOK FREE BOARD DEMO →
ANDROID & iOS MEMBER APP

Save, Borrow & Track Every Shilling From Your Phone.

The kSacco mobile app puts your cooperative account in your pocket—supporting M-Pesa, MTN Mobile Money, and Airtel Money with biometric security, Instant SMS Alerts, and a live Unchangeable Audit Trail.

M-Pesa / MTN / Airtel
Unchangeable Audit Trail
Instant SMS Alerts
Live Dividend Simulator

AVAILABLE FOR DIRECT DOWNLOAD:

Get it on
Google Play
Download on the
App Store
MOBILE APP SCREENSHOT • 01

Member Savings & Yield

KES 142,500
+14.2% Annual Dividend

Real-time savings balance, share capital growth & Mobile Money deposit button.

MOBILE APP SCREENSHOT • 02

Instant Mobile Money Loans

Approved in 3.2s

M-Pesa, MTN & Airtel direct loan disbursement & guarantor selection.

MOBILE APP SCREENSHOT • 03

SMS Alerts & Audit Trail

Hash-Locked Receipt

Every transaction verified with Instant SMS Alerts & Unchangeable Audit Trail.

FOR SACCO LEADERS, BOARDS & MANAGERS (B2B)

Run a Modern, Audit-Ready SACCO With Zero Leakage

Empower your Board, Credit Committee, and Treasurer with an institutional cooperative core built to eliminate fraud, automate accounting, and pass every regulatory inspection across Kenya, Uganda, and Tanzania.

PILLAR 01 • GOVERNANCE 0/= Leakage

Zero Staff Theft

Eliminate fake paper receipts, cash suppression, and unauthorized back-office edits. Every Mobile Money (M-Pesa/MTN/Airtel) collection posts directly to the ledger with multi-signature committee approvals.

  • Unchangeable Audit Trail on every staff action
  • Instant SMS Alerts to members & treasurers
  • Maker-checker dual approval for all disbursements
PILLAR 02 • FINANCE CORE 100% Automated GL

Automated Odoo Accounting

Powered natively by Odoo 19 double-entry accounting. Every loan repayment, interest accrual, fee, and share deposit updates your General Ledger, Trial Balance, and Balance Sheet in real time.

  • Real-time General Ledger & Member Sub-Ledgers
  • Automated IFRS 9 loan provisioning & aging
  • One-click annual dividend & interest calculation
PILLAR 03 • REGULATORY KE • UG • TZ

SASRA / UMRA / TCDC Compliance

Generate regulator-ready prudential returns in seconds. Built-in compliance templates for all three East African regulators (SASRA for Kenya, UMRA for Uganda, TCDC for Tanzania).

  • Automated Capital Adequacy & Liquidity ratios
  • SASRA (KE), UMRA (UG) & TCDC (TZ) return exports
  • Complete external auditor read-only portal access
Board-Grade Security Guarantee: Protect your SACCO with an Unchangeable Audit Trail and Instant SMS Alerts on every transaction—giving your Board and members 100% confidence.
Request Demo for your SACCO → View SACCO Pricing
HONEST MONEY & ZERO THEFT

No Stolen Money. More Profits in Your Pocket.

Clear, honest records backed by an Unchangeable Audit Trail and Instant SMS Alerts that stop staff theft and pay members the highest yearly profit bonuses.

STOP MONEY LOSS & THEFT
UNCHANGEABLE AUDIT TRAIL

Stop Losing SACCO Money to Theft.

Lost paper receipts, fake books, and dishonest staff cost SACCOs millions. kSacco automatically records every Mobile Money (M-Pesa/MTN/Airtel) deposit straight into the master Odoo accounting ledger with an Unchangeable Audit Trail and Instant SMS Alerts.

0/=
Shillings Lost / 100% Balanced Books
Instant
SMS Alert + Master Ledger Entry
  • ✓ Unchangeable Audit Trail that can never be secretly edited or erased
  • ✓ Instant SMS Alerts if any deposit or withdrawal is initiated
  • ✓ Multi-signature Board approval required before group funds move
MORE MONEY FOR MEMBERS
40% LOWER EXPENSES

Put More Profit in Members' Pockets.

By cutting out wasted paperwork, slow manual delays, and heavy office costs by 40%, the SACCO saves huge amounts of money. That savings goes straight into paying you higher yearly dividends on your shares.

+28%
Higher Yearly Member Bonus
40%
Cut Down Office Expenses
  • ✓ Yearly dividend profits sent directly via Mobile Money (M-Pesa/MTN/Airtel)
  • ✓ Clear calculations show you upfront how much your savings earn
  • ✓ SACCO leaders always see exact cash on hand so loans never stall
EAST AFRICAN COOPERATIVE SUITE

Simple, Powerful Tools for Members & Boards

Save without stress, get quick loans via Mobile Money, and protect every member's hard-earned money across Kenya, Uganda, and Tanzania.

Mobile Money Deposits & Fast Cash

Send your savings straight from your phone via M-Pesa, MTN Mobile Money, or Airtel Money anytime, and receive approved loans in seconds.

  • M-Pesa / MTN / Airtel
  • Direct Loan Payout
  • Instant SMS Alerts
Explore Integration →

Fair Loans & Guarantor Protection

Keep your guarantor's savings completely safe. Only the exact guaranteed amount is locked with SMS consent, protecting friendships and group trust.

  • Digital SMS Consent
  • Guarantors Protected
  • Peace of Mind
Learn More →

Clear & Honest Loan Repayments

Know exactly what you pay each month with no hidden interest, surprise fines, or confusing calculations. Save on interest when you repay early.

  • No Hidden Costs
  • Fair Interest
  • Clear Schedules
View Schemes →

Personal SACCO Wallet on Phone

Check your savings balance anytime, save daily from your business or salary, and receive dividend profits directly on your mobile phone.

  • 24/7 Balance Check
  • Daily Micro-Savings
  • Instant SMS Alerts
Wallet Details →

24/7 Regional SLA & Support

Dedicated East African cooperative specialists in Nairobi, Kampala, and Dar es Salaam ensure 99.9% uptime and rapid onboarding support.

  • Kenya • Uganda • TZ
  • Direct Escalations
  • Board Training
Contact Support →

Automated Odoo ERP & Compliance

Full automated synchronization with Odoo double-entry accounting ledger, balance sheets, trial balances, and regional regulatory reporting.

  • Odoo 19 Native
  • Unchangeable Audit Trail
  • SASRA / UMRA / TCDC
SACCO Leaders Suite →