1Open the dialer on your phone, type the code for your network and press the green call button. No app, no internet and no data bundle needed.2The menu opens with Welcome to Wakandi at the top. It lists the shared services and the SACCOs available on this code.3Find your SACCO in the list and reply with its number, here 5 for Oscar UG Pre Prod Saccos, then tap Send.4Your SACCO menu opens with Saving, Shares, Loan and Create / Reset PIN. Reply with the number you want, and reply 4 first if you have never set a PIN.
Getting started on USSD
Dial the code, pick your SACCO, and reach your savings, shares and loans from any phone.
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Summary
Use your SACCO from any phone, with no internet and no app, by dialling a USSD code. About 2 minutes · 5 steps. Also called: shortcode, dial code, star-hash code, feature phone.
Prerequisites
Any mobile phone with the number your SACCO registered for you.
An active membership. Some services must be switched on by your SACCO first.
Step-by-step
Open your phone's dialler and call the code for your network. There is no sign-in screen or password — the number you dial from is your sign-in.
Three dial screens side by side: the code to dial in Kenya, on MTN Uganda and on Airtel Uganda
Read the menu that opens. It lists the shared services — Pay to Account, Pay to Reference Number, QuickLoan, Church Pay — then the SACCOs on this code.
The USSD main menu on the phone, listing Pay to Account, Pay to Reference Number, QuickLoan, Church Pay and your SACCO
Reply with the number next to your SACCO (for example 5) and send. Your SACCO menu opens.
The first time, reply 4 and set your PIN — see Set or reset your USSD PIN. After that, pick an option and answer the questions on screen.
Note: USSD closes a session on its own after a short pause. If you see "This session has expired", dial again and reply without long waits.
Warning: Never share your PIN, account details or confirmation messages. If you lose your phone or see a payment you did not make, tell your SACCO straight away.
The rest of this course: lesson 2 walks the SACCO menu and lesson 3 sets your PIN. Then the tasks: balances (4), saving (5), loans (6 and 7), paying to an account (8), QuickLoan (9).
Common pitfalls & FAQ
I don't see my SACCO in the list. USSD matches the number you dial from against your member record, so another number will not work. If yours changed, ask your SACCO to update it. A leading zero is fine — the system removes it.
Nothing happens when I dial. Check you typed the whole code, including the leading * and the trailing #, and that you have network signal.
Do I need airtime or data? No — USSD uses no data. Some payments carry a fee set by your SACCO; the total shows before you confirm, and you can cancel there.
