1On your phone's dialer, type *384*25611# and press the green call button.2The main menu opens. Reply with your SACCO's number — for example 5 — and tap Send.3Reply 1 for Saving, then enter the amount and confirm the payment.
Pay into your savings by USSD
Top up your savings from any phone.
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Summary
Pay money into your SACCO savings from your phone by USSD — no app or internet needed.
About 2 minutes · 5 steps. Also called: deposit, save money, pay in, top up savings, contribute by USSD.
Prerequisites
A phone using the number registered with your SACCO, with money in your mobile money.
Reply with your SACCO's number (for example 5) and send.
On your SACCO menu, reply 1 for Saving.
Enter the amount you want to save and send.
Confirm, then approve the payment (your mobile-money prompt, or your USSD PIN). You'll get a confirmation message when the money is in.
Note: The exact prompts (which savings account, how you approve) can vary slightly by SACCO, but the order is the same: choose Saving → amount → confirm → approve.
Common pitfalls & FAQ
"This session has expired." USSD waits only a short while. Dial 38425611# again and move through the steps without long pauses.
The money left my phone but isn't in savings yet. Give it a few minutes and check your balance. If it doesn't appear, contact your SACCO with the date, amount, and mobile-money reference.
