Check your balances by USSD

Summary

Check a savings, shares or loan balance from your phone, and read what each figure means. About 3 minutes · 5 steps. Also called: balance, how much do I have, statement.

Prerequisites

• The phone with your registered number.
• A USSD PIN. See Set or reset your USSD PIN.

Try it yourself

The simulator below runs the real menu flow — dial, reply, and see every screen. Nothing you do here touches a real account, and the amounts are examples. Press Watch this flow for a guided walk-through.

Test on your own phone

Step-by-step

1. Dial your network's code. The number you dial from is your sign-in.

2. Reply with your SACCO's number (for example 5) and send. Your SACCO menu opens.

3. Reply 1 for Saving, 2 for Shares, or 3 for Loan.

4. Reply 1 for Balance.

5. The balance shows on screen straight away — no PIN is needed to look. Your PIN guards withdrawals and loan requests.

What each balance shows:

• Saving: available balance, any blocked amount, the currency and the account number.
• Shares: total share value, any blocked amount, the currency and the account number.
• Loan: outstanding principal, interest and charges, plus the total amount due.

Note: Wording varies a little between SACCOs, but the path is always the same: SACCO menu → Saving / Shares / Loan → account → balance.

Common pitfalls & FAQ

• What is the blocked amount? A temporary hold on part of your money. The available balance is what you can use; your SACCO can tell you why the rest is held.
• On a loan, which number do I pay? The total amount due — it already includes principal, interest and charges.
• The balance looks wrong. Balances are live, in your SACCO's currency. Keep the confirmation message from your last deposit or repayment and contact your SACCO with it.