One account for every SACCO you belong to
Download the app, or search the network below to see if your SACCO is already on it.
Everything you used to need a branch visit for
Savings, loans and dividends across every cooperative you belong to, in one screen.
M-Pesa STK Push, or dial your SACCO’s paybill directly — no app required for that part.
Apply for a loan, add a guarantor, or respond to someone else’s guarantor request — digitally, with OTP consent.
Downloadable PDF statements, no trip to the branch.
Notifications for loan decisions, guarantor requests, and anything that needs your response.
Is your SACCO already on here?
Every publicly-listed SACCO on the network, searched live from the platform’s own directory — not a snapshot taken for this page.
Don’t see your SACCO? Bring it onto the network and give your members the same unified portfolio — in weeks, not a core-banking migration project.
Bring your SACCO onto the networkSaccoSphere never holds your deposits — your money moves directly between your own M-Pesa and your SACCO’s own paybill. What SaccoSphere runs is the record-keeping underneath your SACCO, not a wallet of its own.
Yes — if you’re a member of more than one SACCO on the network, your savings, loans and dividends across all of them show in one portfolio.
Point your SACCO’s board to our SACCOs page. Bringing a SACCO onto the network is typically a two-to-four-week process, not a core-banking migration project.
The app needs a smartphone, but deposits can be made by dialing your SACCO’s paybill directly from any phone’s M-Pesa menu, app or not.
Your SACCO life, in one place
Search the network above, or download the app once you know your SACCO is on it.