Pay to an account by USSD

Pay to an account by USSD

Pay to an account by USSD

Send money to a SACCO account.

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Summary

Send money to a SACCO account by USSD using the Pay to Account option on the main menu.

About 2 minutes · 5 steps. Also called: pay to account, send money, transfer, pay member by USSD.

Prerequisites

• A phone with money in your mobile money.
• The account number you're paying into.
• A USSD PIN set up — see Set or reset your USSD PIN.

Step-by-step

Here's an example of paying to an account:

1. Dial 38425611#. The main menu opens.
2. Reply 1 for Pay to Account and send.
3. Enter the account number you're paying into.
4. Enter the amount and send.
5. Check the details, confirm, and approve the payment (mobile-money prompt or your PIN). You'll get a confirmation message.

Note: Always check the account number and amount on the confirm screen before approving — payments are hard to reverse. The exact prompts can vary, but the order is: Pay to Account → account number → amount → confirm.

Common pitfalls & FAQ

• I'm not sure of the account number. Don't guess — confirm it with the person or SACCO first. A wrong number sends money to the wrong account.
• Is this different from Pay to Reference Number? Yes — Pay to Account uses the account number; Pay to Reference Number uses a reference the SACCO gave you. Pick the one that matches what you were given.
• The payment failed. Check you have enough mobile-money balance and try again. If money left but didn't arrive, contact your SACCO with the reference.
• "Session expired." Dial 38425611# again and move through the steps without long pauses.