Unaitas Sacco Branches, Contacts, Loans and Paybill (2026 Guide)

Updated 25 October 2026

Unaitas Sacco Society is a deposit-taking Sacco regulated by the Sacco Societies Regulatory Authority (SASRA). It grew out of Murang’a County and still has most of its branches there, but it now runs 28 branches and three marketing offices from Nairobi to Mombasa, Kisumu, Eldoret and Kisii. This guide lists every branch with its phone number and email, explains how to join, and sets out the main loans, the paybill, the *493# mobile banking menu and options for members abroad. All details come from the Sacco’s own website as checked in October 2026.

Unaitas Sacco Head Office and Main Contacts

• Head office: Cardinal Otunga Plaza, next to Holy Family Basilica, Cardinal Otunga Road (Kaunda Street), Nairobi.
• Postal address: P.O. Box 38721-00100, Nairobi.
• Main phone line: 0709 253 000.
• Email: memberservice@unaitas.com.
• M-Pesa paybill: 544700.
• Mobile banking USSD: *493#.

For a question about your own account, it is usually quicker to call your home branch on its direct line, listed below, than the head office number.

Unaitas Branches in Nairobi

Eight branches serve Nairobi and its edges, including Rongai and Mlolongo.

Unaitas Branches in Murang’a County

Murang’a is the Sacco’s home base, with nine branches spread across the county’s market towns.

Unaitas Branches in Other Towns

Outside Nairobi and Murang’a, Unaitas has eleven branches in Kiambu, Nakuru, Embu, Meru, Kisii, Kisumu, Uasin Gishu and Mombasa counties.

Unaitas Marketing Offices

Marketing offices handle recruitment and loan enquiries rather than full banking services, so call ahead if you need to deposit or withdraw cash.

How to Join Unaitas Sacco

Any Kenyan aged 18 or over can join. The Sacco offers two levels of membership, and the difference comes down to how many shares you buy. Each share costs KSh 10.

The website gives two different caps on how many shares one member can hold: 2,000,000 shares (KSh 20 million) on the investment shares page and 1,000,000 shares (KSh 10 million) in the FAQs. Ask your branch which applies before buying a large block.

Documents you need

• National ID or valid passport, plus a certified copy.
• Copy of your KRA PIN certificate.
• Certified copy of a utility bill or tenancy agreement.
• A passport photo, which the branch takes for free.
• For groups, an introduction letter from the Ministry of Social Services.

Steps

1. Visit any branch and go to the customer care desk.
2. Fill in the account opening form. The officer opens the account in the system while you wait.
3. Pay for your shares with the cashier, or pay the membership fee through M-Pesa paybill 544700.
4. Your account is then ready for deposits, withdrawals and transfers.

Shares vs Deposits at Unaitas

New members often mix these up, and the difference matters when you want a loan or decide to leave. Our Sacco terms glossary explains the wider terms.

Unaitas Sacco Loans

Unaitas lends against your savings and your ability to repay, not against your shares. You need to have operated your account for at least three months before borrowing. The table covers the main loan types published on the Sacco’s site; interest rates are not listed there, so ask the branch for the current rate and total cost in writing.

You can estimate monthly repayments with our Unaitas loan calculator or compare lenders with the other Sacco loan calculators.

Accepted loan security

• Guarantors, including co-guarantorship within groups.
• Sacco deposits.
• Land, with a title deed.
• Bank guarantees.
• Vehicles that meet the Sacco’s year-of-manufacture rule.

You may hold loans from different categories at the same time if you meet each loan’s conditions. Clearing a loan early attracts no penalty and no interest for the remaining months. Lenders check your credit record, so check your CRB status before you apply.

How to Deposit and Withdraw With M-Pesa

Deposit through paybill 544700

1. Open M-Pesa and choose Lipa na M-Pesa, then Paybill.
2. Enter business number 544700.
3. Enter your 10-digit Unaitas account number as the account number.
4. Enter the amount and your M-Pesa PIN, then confirm.

Set up and use *493#

1. Register for mobile banking at your branch. You’ll get a start PIN by SMS.
2. Dial *493#, enter your ID number and the start PIN.
3. Set and confirm your own secret PIN.
4. To withdraw to M-Pesa, dial *493#, log in and choose option 4, then follow the prompts.

Unaitas for Kenyans Abroad

Members in the diaspora can open an account with an account opening form, certified copies of their ID and Kenyan passport, KRA PIN, a recent photo, a utility bill in their name, and the name and phone number of a relative in Kenya. The Sacco lists four ways to send money to the account:

• Sawa Pay from the US, straight to paybill 544700.
• Simba Pay from European countries, also to paybill 544700.
• Wave from the US, UK and Canada, to the Sacco’s Co-operative Bank account.
• WorldRemit, using the same Co-operative Bank account details.

Ask the Sacco for its Co-operative Bank account details directly by email rather than relying on numbers shared on social media.

Tips Before You Visit a Branch

• Carry your original ID; branches will not process withdrawals or changes without it.
• Call the branch line first if you are travelling far, especially for the three marketing offices.
• Read the risks and rewards of investing in Saccos before you put large sums into shares, since shares cannot be withdrawn.
• Compare branch networks with other Saccos, such as Hazina Sacco branches, if you move often.

Looking for work to grow your savings? Browse current vacancies on JobinKenya.

Frequently Asked Questions

What is the Unaitas Sacco paybill number?

The paybill is 544700. Use your 10-digit Unaitas account number as the account number.

What is the Unaitas Sacco customer care number?

The main line is 0709 253 000 and the email is memberservice@unaitas.com. Each branch also has its own number, listed above.

How much does it cost to join Unaitas?

KSh 100 for 10 shares makes you a customer member, and KSh 1,000 for 100 shares makes you a full member.

Can I withdraw my Unaitas shares?

No. Shares cannot be withdrawn, even when you leave, but you can transfer them to another member.

How many branches does Unaitas have?

The Sacco lists 28 branches and three marketing offices, nine of them in Murang’a County and eight in and around Nairobi.