Your SACCO menu on USSD
Summary
What each choice on your SACCO's USSD menu does: Saving, Shares, Loan and Create / Reset PIN. About 3 minutes · 7 steps. Also called: menu options, shortcode menu, balance check.
Prerequisites
- The phone with your registered number. New to the code? Start with Getting started on USSD.
- Your USSD PIN, if you have one. Step 6 covers setting it.
Step-by-step
Dial your network's code (Kenya
*384*25611#, Uganda, MTN*165*4*4#, Uganda, Airtel*185*7*3*3#). Your registered number acts as your sign-in.Reply with your SACCO's number (for example 5) and send. The menu opens with four choices.
Figure 1: Your SACCO's USSD menu on the phone, with the four choices: 1 Saving, 2 Shares, 3 Loan, 4 Create / Reset PIN 1. Saving — your savings accounts. Check a balance or pay money in; each account shows its name and number.
2. Shares — your share accounts. See what your shares are worth or make a contribution.
3. Loan — your loans. See what you still owe, make a repayment, or apply for a new loan.
4. Create / Reset PIN — set your PIN the first time, or replace one you have forgotten.
Whichever you pick, the pattern is the same: choose an account, enter an amount or your PIN, check the details on screen, then confirm.
Note: Savings is money you pay in and take out; shares are your stake in the SACCO. They have separate balances.
Common pitfalls & FAQ
- It asks for a PIN I don't have. Reply 4 for Create / Reset PIN, set one, then dial again.
- I picked the wrong option. USSD has no back button. Let the session finish, or dial again.
- My amount was refused. Each account has a smallest and largest amount set by your SACCO. The menu shows the limits that apply.
- One of my accounts is missing. Fixed deposit accounts are never listed under savings, and an account must be active to appear. Ask your SACCO if something you expect is not there.