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.3Choose what to check: 1 Saving, 2 Shares, or 3 Loan. Your balance shows on screen.
Check your balances by USSD
See your savings, shares or loan balance.
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Summary
Check your savings, shares, or loan balance from your phone by USSD.
About 1 minute · 4 steps. Also called: balance, how much do I have, check savings, check loan, statement by USSD.
Prerequisites
A phone using the number registered with your SACCO.
Reply with your SACCO's number (for example 5) and send.
On your SACCO menu, choose what you want to check:
1. Saving — your savings balance
2. Shares — your shares
3. Loan — what you still owe on a loan
Follow the prompt (enter your PIN if asked). Your balance shows on screen.
Note: Your SACCO's menu may show a separate "balance" choice inside each option — pick that. The path is always: SACCO menu → Saving / Shares / Loan → balance.
Common pitfalls & FAQ
The balance looks wrong. A recent deposit or repayment can take a few minutes to show. Check again shortly; if it's still off, contact your SACCO.
"Session expired." Dial 38425611# again and move quickly through the menus.
What's the difference between savings and shares? Savings is money you pay in and take out; shares are your stake in the SACCO. They have separate balances.
