The below Services are available for your convenience;
  • Mo-Cash – Unaitas Mobile Banking Service
  • ATM Debit Card – Visa Branded, EMV-PIN Secure.
  • MoneyGram – Send and receive Money Internationally.
  • Diaspora – SWIFT, SIMBAPAY, (Click)
  • PesaLink – Send & receive money directly from any bank in real time.


Access your Unaitas account conveniently-wherever you are, at any time- using our Mo-Cash Mobile Banking Service. You can transact using your phone



  • Go to M-Pesa menu in your phone
  • Select Lipa Na M-Pesa, Paybill Option
  • Enter Unaitas Business Number 544700
  • Then enter Your Unaitas Account Number that you want to deposit money to.
  • Enter the amount you want to deposit
  • Enter your M-Pesa PIN
  • Confirm transaction and wait for an SMS Notification.



  • Dial *493# and call and log in with your Mo-Cash PIN.
  • On the USSD Menu, Select Withdraw Option
  • On the next menu, Select Account Number to withdraw from.
  • On the next menu, enter the amount to withdraw and continue
  • Confirm the withdrawal.
  • Wait for reply



  • Balance Inquiry – Check the Balance in you accounts.
  • Mini Statement – Get a mini statement of the last 5 transactions.



  • Loan Request – Get an instant loan to meet that need or emergency.
  • Loan Payments – Repay your Mo-Cash Loan at any time and access another loan instantly before the loan maturity date.
  • Loan Status – Check your loan Limit, Balance, and existing loan start and maturity date.
  • T&Cs – This menu gives you information on the terms and conditions of the loan.



  • My Accounts – Transfer Money to any of your Unaitas Account. E.g. From Savings to Shares or From Timiza to Jipange.
  • Other Members – This enables you to transfer funds to other Unaitas Members Accounts



  • Buy Safaricom Airtime from your account at no extra Charge.



Pay your bills at ease from the comfort of wherever you are

  • KPLC Tokens
  • DSTV
  • Other Utilities – We continue to add other bills from time to time.



Pay your bills at ease from the comfort of wherever you are.

  • ATM– Apply or deactivate an ATM. If you lose your ATM Card, Use this option to deactivate it.
  • Cheque – Reorder a Cheque or stop payment of a specific Cheque leaf(s). If you lose your Cheque book, or you want to defer the payment, use this option to deactivate it.
  • SMS Notifications – Sign up for SMS Notifications.



We advise you to change your Mo-Cash PIN from time to time. Ensure that you do not share your PIN with anyone. Your Mo-Cash PIN is your Secret.



We provide EMV Visa Branded ATM Cards for secure and convenient access to your account using your debit card through the Sacco link network and all Co-operative Bank ATM’s.

You can also access your account through any Visa enabled ATMs countrywide. Pay for your shopping, your fuel and much more at no extra cost, wherever the Visa card is accepted.



You can now receive and send money internationally at any Unaitas Branch near you.



PesaLink is available to all members of Unaitas Sacco who are registered on Mo-Cash. It allows you to send money from your Unaitas account to any local commercial bank account instantly at a low cost. The service also enables you to receive money from other banks. It is available to our members 24/7.
PesaLink can be accessed through Mo-Cash USSD *493# or any of our branches. The transaction amount has been capped at KES 300,000 and KES 999,999 per day (subject to review).

  • Secure: PesaLink prioritizes the security of your funds transfers
  • Faster: Experience instant transfers.
  • Easier: Simply dial *493# and follow the steps.
  • Convenient: Enjoy the convenience of sending and receiving funds at anytime and anywhere.
How to Link your Phone Number to PesaLink
  1. Dial USSD *493# and select option 5
  2. Under option 5, select Link account number and proceed to link your phone number.
    Linking the account number makes it the primary account on PesaLink and all transfers via phone number on PesaLink will go to that particular account.
  3. You will receive a confirmation SMS upon successfully linking your phone number.
How to Receive Money to your Unaitas Account
  1. The Sender should be registered to PesaLink.
  2. Request sender to select Unaitas and enter your 10 digit Unaitas account number. The funds will be deposited in real-time.

How to Send money to a Commercial Local Bank Account

Transfer to Phone Number
  1. Dial USSD *493# and select option 5
  2. Select the phone number option
  3. Select the Unaitas account you want to debit. (Your transactional accounts are listed by numbers)
  4. Input the phone number you want to transfer to.
  5. Select the bank account linked to that phone number.
  6. Enter the amount you want to transfer and enter the transaction details.
  7. Enter your Mo-Cash PIN and confirm the transaction.
  8. After confirmation, a message is sent to both the member and the recipient with the transaction details.
Transfer to Account Number
  1. Dial USSD *493# and select option 5
  2. Select the bank you want to send money to. You may search using the bank’s first letter.
  3. Enter the recipient’s account number.
  4. Enter the amount you want to transfer.
  5. You will be prompted to confirm the transfer details before submitting.
  6. After confirmation, a message is sent to both the member and the recipient with the transaction details.


  • Why should I use PesaLink?
  • PesaLink is real-time, secure, available 24/7 and you can transfer money from one bank to Unaitas and vice versa.

  • How do I access PesaLink?
  • PesaLink can be accessed via the Unaitas mobile banking USSD *493#.

  • Can I transfer money from my other bank accounts to Unaitas on Pesalink?
  • Yes, you can. Go to the PesaLink menu of your bank, select send/transfer to account option.

    Select Unaitas and enter your 10-digit Unaitas account number.

    Complete the transaction and await a confirmation message from PesaLink.

  • How long does a PesaLink transfer take?
  • The money reflects in your account in real time.

  • Can I use PesaLink as a payment option for my business?
  • Yes, you can by providing your 10-digit account number to your customers.

  • Can I send money to someone who is not registered on PesaLink?
  • Yes, you can. But the receiving bank must be on PesaLink.

  • Can I send money to someone who does not have a bank account?
  • No. PesaLink does not provide funds transfer to anyone without a bank account.

  • Can I receive Funds if am not registered to PesaLink?
  • Yes, you can receive funds into your Unaitas account. The sender will require your 10 digits Account number.

  • Will I be charged to receive money on PesaLink?
  • No. There is no charge for receiving money via PesaLink.