Our products and services are tailored to suit the customer needs
Excellent customer experience that ensures ease and efficiency
Availability of alternative business channels for accessibility and convenience purposes
Provision of advisory services for business and financial needs
Unaitas has simplified entry requirements; To Join, you should have
National ID/Valid passport
10 shares @ Kes 10 – to be a customer member.
A copy of your KRA pin certificate.
Passport size photos are freely taken in our branches.
Any Kenyan with an age of 18 years and above and of sound mind.
What are the benefits of investing in Unaitas Shares?
Guaranteed membership-the minimum membership requirement is 10 shares @kes 10 to become a customer member or for full membership 100 shares @ kes 10.
Annual dividends on a rate dependent on the profits derived by the organization in the current financial year.
Sacco Deposits are withdraw-able members’ savings while shares cannot be withdrawn even on exit from the Sacco but can be transferred to another willing member.
Sacco Deposits earn interest while share/share capital earn dividends
Sacco Deposits can be used as loan security while shares cannot be used.
A member is allowed to take any loan products from different categories as far as all lending conditions are met.
No interest or penalty is charged for clearing a loan earlier than the contracted period.
The deposit raised during loan application is refunded after full loan repayment. It will be refunded after 90 days.
To access mobile banking, you will need to visit the nearest branch and fill the required forms. A One Time Pin will be generated and sent to you.
Dial *493# in your phone
Enter your ID number
Put the start pin number (pin shared on your phone)
Put your secret pin number
Confirm your secret pin
Kindly go to your mpesa, choose paybill option, enter 544700, then your ten-digit account amount and complete it with your M-pesa secret pin.
Dialing *493#, enter your ID and secret pin.
Choose option 4 on the menu
Follow the prompts
Account Opening Form (Attached)
Certified copy of ID and Kenyan Passport
A copy of your KRA PIN Number
Recent Passport size photo
A Utility Bill in your name
Driving License/medical/insurance card (If available)
Names and Mobile Number of a relative/Person living in Kenya.
Ways you can make deposits to your account:
Sawa Pay – Sawa Pay allows you to send money from the US directly to your Unaitas Account via Mpesa Paybill (544700) on Android or iOS mobile app.
Download the Sawa Pay App (Via Android or iOS) or log in via the website to create your profile and be able to send money instantly to your Unaitas Account from the US.
Simba Pay – From European Countries. Simba Pay allows you to send money from any European Country, directly to your Unaitas Account via Mpesa Paybill (544700) on Android or iOS mobile app.
Wave money transfer -It is used to transfer money from US, UK, and Canada to East Africa.
Unaitas is a cooperative society registered in Kenya under the co-operatives act and regulated by the Sacco society regulator (SASRA). It is owned by members of the public who Purchase a predetermined number of shares.
The minimum share requirement to be a customer member kes 100. A share cost 10 shillings.
Maximum share requirement is 1,000,000 for a share capital of 10,000,000 shillings
Shares are not withdrawable but are transferable from pone member to another.