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Pay into your savings by USSD

Version 1 · Updated 22 Jun 2026

Pay into your savings by USSD

1On your phone's dialer, type the code for your network and press the green call button at the bottom.
2The Welcome to Wakandi menu opens. Type your SACCO's number, for example 5, and tap SEND.
3After you reply 1 for Saving, the Saving screen asks you to enter the amount to deposit. Type the amount and tap SEND, then confirm and approve the payment.
Pay into your savings by USSD

Top up your savings from any phone, with no app or internet needed.

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Summary

Pay money into your SACCO savings from mobile money, straight from the dialler. About 3 minutes · 7 steps. Also called: deposit, save, top up, contribute.

Prerequisites

  • The phone with your registered number, with money in your mobile money.
  • An active savings account.
  • A USSD PIN. See Set or reset your USSD PIN.

Step-by-step

  1. Dial your network's code (Kenya 38425611#, Uganda, MTN 16544#, Uganda, Airtel 18573*3#). Your registered number acts as your sign-in.
  2. Reply with your SACCO's number (for example 5) and send.
  3. Reply 1 for Saving.

Your SACCO's USSD menu on the phone: 1 Saving, 2 Shares, 3 Loan, 4 Create / Reset PIN — reply 1 to pay into savings
Your SACCO's USSD menu on the phone: 1 Saving, 2 Shares, 3 Loan, 4 Create / Reset PIN — reply 1 to pay into savings

  1. Choose the savings account to pay into. Each one shows its name and account number.
  2. Enter the amount and send. It must sit between the smallest and largest deposit your SACCO allows on that account.
  3. Check the confirmation screen. It shows the total you will pay, including any fee your SACCO adds — cancel here if it is not what you expected.
  4. Approve the payment (your mobile-money prompt, or your PIN). A confirmation message arrives once the money is in.
Tip: Keep the confirmation message. It is your proof if you ever need to ask about the deposit.

Common pitfalls & FAQ

  • The account I want isn't listed. Only active savings accounts appear here, and fixed deposit accounts never do. If one you expect is missing, ask your SACCO to check it.
  • It says the amount is too small or too large. Try an amount inside the limits shown, or ask your SACCO about raising yours.
  • The money left my phone but isn't in savings. Deposits post in real time. Check again after a few minutes; if it still does not show, contact your SACCO with the date, amount and mobile-money reference.
  • Did it work? Check the balance — see Check your balances by USSD.