The Contribute button is greyed out.

Pick a savings account and enter an amount; the button turns on once both are filled.

There's no account in the list.

Your SACCO sets up savings accounts, and only active ones can take a payment. Contact your SACCO.

My amount was refused.

It is outside the smallest and largest amounts set for that account. Try one inside the range, or ask your SACCO to raise the limit.

I paid but my savings didn't change.

The app can take a few minutes to catch up — refresh My Contributions. Keep the payment confirmation, and contact your SACCO with the date and amount if it still doesn't show.

How to contribute to your savings

Member App Updated 28 Aug 2026 Version 1

Try it on your phone — a real, hand-built simulation of the Member App below. Nothing you do here touches a real account. It opens where you would be after signing in. Watch this flow for the whole path to the screen this article is about, or tap through it yourself.

In the app

Test on your own phone

Scan the QR code and see a demo on your own phone

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Test on your own phone

Summary

Pay money into one of your savings accounts from the member app. About 3 minutes · 7 steps. Also called: deposit, save, pay in, top up savings.

Prerequisites

You can sign in — see How to sign in to the member app.
An active savings account with your SACCO.
The mobile-money line you'll pay from, with enough balance for the amount and any fee.

Step-by-step

Open the member app and sign in — see How to sign in to the member app.
Under My Savings and Credits, tap your SACCO to open it.
Under Savings, tap Contribute. The Make your contribution form opens.
Under Choose savings account, pick the account you want to pay into.
In Enter amount, type how much you want to save. Your SACCO sets a smallest and a largest amount for each savings account.
(Optional) Add a Message so you remember what the contribution was for.
Tap Contribute and follow the prompt on your phone to pay. Once the payment goes through, the amount is added to your savings.

Note: Your SACCO may add a convenience fee, so the amount taken from your mobile money can be more than the amount you typed. Check the total before you confirm.

Common pitfalls & FAQ

The Contribute button is greyed out. Pick a savings account and enter an amount; the button turns on once both are filled.
There's no account in the list. Your SACCO sets up savings accounts, and only active ones can take a payment. Contact your SACCO.
My amount was refused. It is outside the smallest and largest amounts set for that account. Try one inside the range, or ask your SACCO to raise the limit.
I paid but my savings didn't change. The app can take a few minutes to catch up — refresh My Contributions. Keep the payment confirmation, and contact your SACCO with the date and amount if it still doesn't show.

Back to course: Using the Member App