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.
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Sign inPrerequisites
- 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
Your dial code (Kenya): *789*103#
Your dial code (Uganda): *165*4*4# on MTN · *185*7*3*3# on Airtel
Your dial code (Tanzania): *384*25611#
Dial your network's code. The number you dial from is your sign-in.
Reply with your SACCO's number (for example 5) and send. Your SACCO menu opens.
Reply 1 for Saving, 2 for Shares, or 3 for Loan.
Reply 1 for Balance.
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.