Updated 10 November 2026
If you want to know how to join Harambee Sacco, start online or with a paper form, pay a one-time KSh1,000 membership fee on Paybill 525200 (account number = your national ID), and commit to KSh30,000 share capital plus a mandatory KSh300 a month Sink Fund. Since 2020 the common bond has been open, so residents and Kenyans abroad who fit the published categories can apply. This guide lists the official fees by category, the documents for individuals, groups and corporates, and where the Sacco’s own table still leaves fees blank.
Checked on 9 November 2026 against Harambee DT SACCO’s official How to Join and Membership pages. Where the membership table shows “xxx” or “To be determined”, those amounts are not published. Confirm with the Sacco before you pay.
On this page
In this guide
- How to join Harambee Sacco: who is eligible
- How to join Harambee Sacco: fees by category
- How to join Harambee Sacco: documents you need
- How to join Harambee Sacco step by step
- Paybill 525200 and the Sink Fund when you join Harambee Sacco
- After you learn how to join Harambee Sacco
- Frequently asked questions
How to join Harambee Sacco: who is eligible
Harambee DT SACCO Society Ltd was formed in 1969 mainly for government workers. Its 47th Annual Delegates Meeting endorsed opening the common bond, and the open bond started in 2020. Today Kenyan citizens, resident or non-resident, can join if they fit one of the categories on the membership page:
- Check-off members: employees of government or other reputable institutions (and Harambee’s own staff) whose employer has signed an MOU for payroll remittances.
- Non-check-off individuals: Wafanisi (retiring members who stay on), employed people with regular income, diaspora members with legal income abroad, spouses of members who are employed or in business, and children of members aged 18 and above.
- Groups, CBOs and NGOs: legally registered self-help groups, community-based organisations and NGOs, admitted under the by-laws and membership policy.
- Corporates: sole proprietorships, partnerships and companies limited by shares or by guarantee.
Knowing how to join Harambee Sacco starts with picking the right category, because registration fees and monthly deposit floors differ.
How to join Harambee Sacco: fees by category
The join page states a one-time membership fee of KSh1,000 and share capital of KSh30,000, which you can pay in instalments. Every member must also join the Sink Fund (loan protection) at KSh300 per month. The membership contributions table breaks the numbers down further:
| Category | Share capital | Registration | Monthly deposits (min) | Sink Fund |
|---|---|---|---|---|
| Check-off (govt / reputable institutions) | KSh30,000 | KSh1,000 | KSh3,000 | KSh300 |
| Individuals in reputable organisations | KSh30,000 | KSh1,000 | KSh3,000 | KSh300 |
| Diaspora | KSh30,000 | KSh1,000 | KSh3,000 | KSh300 |
| Spouses | KSh30,000 | KSh1,000 | KSh3,000 | KSh300 |
| Wafanisi | KSh30,000 | Not published (“xxx”) | KSh1,000 | KSh300 |
| Children (18+) | To be determined | Not published | Not published | Not published |
| Groups / CBOs / NGOs | KSh30,000 | KSh2,000 | KSh5,000 | Not published |
| Sole proprietors / SMEs, partnerships, corporates | KSh30,000 | KSh1,000 | KSh5,000 | Not published |
Fee conflict to note: the How to Join page quotes a flat KSh1,000 registration fee, while the membership table lists KSh2,000 for groups and leaves Wafanisi and children registration as “xxx”. Treat the table as category-specific and ask Harambee which figure applies to you before you pay.
If you paid the published individual package at once, the first month would be about KSh34,300 (KSh1,000 + KSh30,000 + KSh3,000 deposits + KSh300 Sink Fund). Share capital can be built in instalments, so most new members will not pay the full KSh30,000 on day one.
How to join Harambee Sacco: documents you need
The membership page lists separate document packs:
- Individuals: completed membership form, copy of Kenyan national ID or valid passport, coloured passport-size photo, KRA PIN certificate, current payslip if employed, and a registration certificate for SMEs.
- Groups / CBOs / NGOs: group membership form, authenticated minutes resolving to join, constitution, registration certificate, passport photos, IDs and KRA PINs for officials or signatories, the group’s KRA PIN, and at least one signatory who is already a SACCO member.
- Corporates: membership form, directors’ resolution to join, IDs or passports and KRA PINs for directors or partners plus the company, Tax Compliance Certificate, business registration certificate, coloured photos, partnership deed where relevant, certificate of incorporation, CR12, memorandum and articles, and a valid business permit.
Forms are under the Sacco’s downloadable forms page (membership application uploaded 27 June 2025). Get a KRA PIN on iTax first if you do not have one.
How to join Harambee Sacco step by step
- Choose your category: check-off, individual, diaspora, spouse, child, group or corporate.
- Online: fill the online registration form on the join page; a representative contacts you for the next steps. Manual: download the hardcopy form from a FOSA branch or the downloads menu.
- Attach the documents for your category.
- Submit by post, at the SACCO reception or a FOSA customer service point, through a Harambee Pesa agent, via a Business Development Executive, or by email to info@harambeesacco.com.
- Pay the registration fee on Paybill 525200 with your ID number as the account, or deposit at a FOSA or Harambee Pesa agent.
- Wait for verification. The Sacco generates a membership number and sends it to you.
Paybill 525200 and the Sink Fund when you join Harambee Sacco
For the registration fee, the official instructions are:
- Paybill: 525200
- Account number: your national ID number
- Or cash or deposit at any FOSA or through Harambee Pesa agents
The Sink Fund is Harambee’s loan protection programme. The join page says every member must join it and contribute KSh300 monthly. For groups and corporates the contributions table leaves the Sink Fund cell as “xxx”, so confirm the amount when you register those categories.
Once your share capital reaches KSh30,000, you can download a digital share certificate from the member portal at harambeesacco.com/webportal. You can also request a copy of the by-laws after paying the applicable fee.
After you learn how to join Harambee Sacco
Membership is mainly useful for savings and credit. See our guides to Harambee Sacco loans and the Harambee home loan for products and rates, and compare with other Saccos in Stima vs Harambee Sacco. Past dividends on the dividend calculator do not guarantee future payouts.
Contacts published on the site include Harambee Coop Plaza on Haile Selassie Avenue, phone 0709 943 000 / 0110 895 735, and info@harambeesacco.com. Hours listed are Monday to Friday, 8:00am to 5:00pm.
Frequently asked questions
How much does it cost to join Harambee Sacco?
Most individual categories show KSh1,000 registration, KSh30,000 share capital (payable in instalments), at least KSh3,000 monthly deposits and KSh300 Sink Fund. Groups show KSh2,000 registration and KSh5,000 monthly deposits. Wafanisi and children registration fees are not published on the official table.
What is the Harambee Sacco Paybill for registration?
Paybill 525200. Use your national ID number as the account number for the membership fee, or pay at a FOSA or Harambee Pesa agent.
Can diaspora Kenyans join Harambee Sacco?
Yes. Diaspora members are listed as a non-check-off category for Kenyan citizens living abroad with regular legal income. The published fees match other individual employed members: KSh1,000 registration, KSh30,000 share capital, KSh3,000 monthly deposits and KSh300 Sink Fund.
Is the Harambee common bond still limited to government workers?
No. The open bond started in 2020 after the 47th Annual Delegates Meeting. Government check-off remains one category, but individuals, diaspora, spouses, children, groups and corporates that meet the published rules can also apply.
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