Set or reset your USSD PIN
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.
- The way in, if the code is new to you: Getting started on USSD.
Step-by-step
On your registered phone, dial your network's code (Kenya
*384*25611#, Uganda, MTN*165*4*4#, Uganda, Airtel*185*7*3*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.
Figure 1: 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 The number on your member record may be out of date, or your membership not active yet.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.