1Open your phone's dialer, type the code for your network and press the green call button. Use the phone with the number registered with your SACCO.2The Welcome to Wakandi menu opens. Reply with your SACCO's number, 5 in this example, and tap Send.3The Check balance list opens. Reply with 1 for Saving, 2 for Shares or 3 for Loan, then pick the account and enter your USSD PIN if you're asked.
Check your balances by USSD
See your savings, shares or loan balance.
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Summary
Check a savings, shares or loan balance from your phone, and read what each figure means. About 3 minutes · 5 steps. Also called: balance, how much do I have, statement.
Dial your network's code (Kenya38425611#, Uganda, MTN16544#, Uganda, Airtel18573*3#). The number you dial from is your sign-in.
Reply with your SACCO's number (for example 5) and send. Your SACCO menu opens.
Reply 1 for a savings balance, 2 for shares, or 3 for a loan.
Your SACCO's USSD menu on the phone (1 Saving, 2 Shares, 3 Loan, 4 Create / Reset PIN)
Pick the account, then the balance option. If you have more than one account of the same type, check them one at a time.
Enter your PIN if asked. The balance shows on screen.
What each balance shows:
Saving: available balance, any blocked amount, the currency and the account number.
Shares: total share value, any blocked amount, the currency and the account number.
Loan: outstanding principal, interest and charges, plus the total amount due.
Note: Wording varies a little between SACCOs, but the path is always the same: SACCO menu → Saving / Shares / Loan → account → balance.
Common pitfalls & FAQ
What is the blocked amount? A temporary hold on part of your money. The available balance is what you can use; your SACCO can tell you why the rest is held.
On a loan, which number do I pay? The total amount due — it already includes principal, interest and charges.
The balance looks wrong. Balances are live, in your SACCO's currency. Keep the confirmation message from your last deposit or repayment and contact your SACCO with it.
