1On your registered phone, type the code for your network in the dialer and press the green call button. A menu opens on your screen.2The Welcome to Wakandi menu opens. Reply with your SACCO's number, 5 in this example, then tap Send to open your SACCO's menu.3Your SACCO's menu lists 1 Saving, 2 Shares, 3 Loan and 4 Create / Reset PIN. Reply 4, then type the PIN you want, and type it a second time to confirm.
Set or reset your USSD PIN
Create your PIN, or reset a forgotten one.
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Summary
Set your USSD PIN the first time, or replace one you have forgotten, so you can move money from your phone. About 2 minutes · 5 steps. Also called: secret code, forgot PIN, password.
Prerequisites
The phone with your registered number and an active membership.
On your registered phone, dial your network's code (Kenya38425611#, Uganda, MTN16544#, Uganda, Airtel18573*3#). Dialling from that number is your sign-in.
Reply with your SACCO's number (for example 5) and send. Your SACCO menu opens.
Reply 4 for Create / Reset PIN.
Your SACCO's USSD menu on the phone, showing 1 Saving, 2 Shares, 3 Loan and option 4 Create / Reset PIN
Type the PIN you want (usually 4 digits) and send.
Type the same PIN again to confirm. You get a message that your PIN is set.
Tip: Decide on your PIN before you dial, so the session does not close while you think.
Note: Forgot your old PIN? The same option replaces it — there is nothing else to unlock. Wording differs a little between SACCOs, but the steps are the same.
Common pitfalls & FAQ
It won't accept my PIN. Use the number of digits it asks for (usually 4), and make sure both entries match.
It says my number isn't recognised. The number on your member record may be out of date, or your membership not active yet. Ask your SACCO to check both.
I still can't set a PIN. Ask your SACCO — staff can send a one-time PIN code to your registered phone from your member record.
Should I ever share my PIN? Never. No SACCO staff member will ask for it. Treat it like your bank card PIN.
