Quick answer
Kentours Sacco is a SASRA-regulated Non-WDT Sacco registered in 1984, mainly serving tourism and hospitality workers. Joining costs a KSh 1,200 entrance fee, KSh 200 for by-laws, KSh 9,000 share capital over up to 25 months and at least KSh 1,500 monthly deposits. Its M-Pesa paybill is 194740, with the product code plus member number as the account.
Updated 18 October 2026
Kentours Sacco is a Nairobi savings and credit co-operative, registered in 1984, whose members mostly work in Kenya’s tourism and hospitality industry. Its full name today is Kentours Regulated Non-WDT Sacco Society Limited, which means it is a non-deposit-taking Sacco regulated by the Sacco Societies Regulatory Authority (SASRA). This guide covers who can join, what membership costs, the main loan and savings products, and how to pay through the Sacco’s M-Pesa paybill, using the Sacco’s own website, membership form and member circulars.
In this guide
Kentours Sacco quick facts
| Registered | 1984 |
| Type | Regulated non-withdrawable deposit-taking (Non-WDT) Sacco, supervised by SASRA |
| M-Pesa paybill | 194740 |
| Mobile banking | M-Jisort, through the Kentours app or USSD *670# |
| Phone | 0709 309 000 |
| info@kentours.co.ke | |
| Office | Commodore Office Suites, 1st Floor, Kindaruma Road, Kilimani, Nairobi (P.O. Box 79333, 00200) |
| Hours | Monday to Friday 8am to 5pm; Saturday 9am to noon; closed Sundays and public holidays |
Who can join Kentours Sacco
The Sacco says it has grown from a handful of members to more than three thousand. Its list of member organisations includes staff of tour operators, safari camps and hotels such as Abercrombie & Kent, &Beyond, Let’s Go Travel, Gamewatchers Safaris, Angama Lodge, Tribe Hotel, Sankara Hotel and the Kenya Association of Hotel Keepers, alongside individual members. You can join if you are:
- An employee of an organisation that has signed a memorandum of understanding (MOU) with Kentours, which lets you pay through payroll check-off; or
- An individual introduced by an existing member, such as a spouse, an adult child aged 18 or over, a relative or a friend.
Applicants must be Kenyan residents aged 18 or over, and the membership form states that a member should not belong to more than one Sacco.
Membership requirements and costs
| Item | Amount | Notes |
|---|---|---|
| Entrance or application fee | KSh 1,200 | KSh 1,000 plus KSh 150 excise duty on the 2025 form; non-refundable |
| By-laws booklet | KSh 200 | Provided at cost |
| Share capital | KSh 9,000 minimum | 450 shares, payable in up to 25 monthly instalments of KSh 360 |
| Monthly deposits | KSh 1,500 minimum | New members pay at least KSh 2,100 a month until the entry requirements are met |
| Insurance premium | Set each year | Covers group funeral expenses, loan guard and deposit protection |
Documents you need: one recent colour passport photo, a copy of your national ID or passport, a copy of your KRA PIN certificate and proof of a bank account, such as a bank statement, a cancelled cheque or a debit card. Our guide to how Saccos are registered and regulated in Kenya explains what a Non-WDT licence means for your money.
How to join
- Apply online through the “Join Us” option on the Kentours website, which links to the Sacco’s member registration portal. The Sacco launched online applications in a member circular dated 19 March 2026.
- Alternatively, download and fill in the individual membership application form and return it with your documents.
- Pay the entrance fee and start your share capital and deposit contributions, either by check-off through your employer or by direct payment.
The Sacco does not accept cash at its office. It takes cheques, electronic transfers, standing orders, direct bank deposits and M-Pesa.
Kentours Sacco loans
You qualify for most loans six months after you register. The exception is the Karibu Loan, which has a three-month waiting period. Loans are secured by your own deposits, by guarantees from other members’ deposits, or by assets that meet the Sacco’s credit policy. For members who do not pay by check-off, only the part of your deposits that is not already guaranteeing someone else’s loan counts as security.
| Loan | What the Sacco says about it |
|---|---|
| Normal Loan | Up to 3 times your deposits, to a maximum of KSh 15,000,000 |
| Instant Loan | Up to 3.5 times your deposits, to a maximum of KSh 500,000, after at least 6 months of membership |
| Premium Loan | For members whose deposits are too small for other products |
| Emergency Loan | For emergencies such as accidents, hospital bills and court fines |
| Home Appliance Loan | For household items such as water tanks, TVs, fridges and phones |
| School Fees and Super School Fees Loans | For education costs |
| Asset Finance, Bank Loan Bailout and Consolidation Loans | For buying assets and clearing or combining loans held elsewhere |
| Salary Advance, Karibu, Jipange, Junior, Guarantor and M-Jisort mobile loans | Shorter-term and special-purpose products |
Interest rates and repayment periods are set out on each product page and in the loans and dividend calculator on the Sacco’s website. To see what monthly repayment you can afford before applying, try our loan affordability calculator or compare other options in our list of Sacco loan calculators in Kenya.
Savings products
- Member deposits: the regular monthly savings that give you membership rights and decide how much you can borrow.
- Share capital: non-withdrawable savings, with a minimum of 450 shares.
- Jipange Savings: a goal-based account for things like festivities and anniversaries.
- Junior Savings: an account a member opens for a child under 18, which the Sacco says earns 6% interest a year.
Like other Saccos, Kentours shares its surplus with members as dividends on share capital and interest on deposits once its annual accounts are approved. Our Sacco dividend calculator shows how the payout on your own balances is worked out.
How to pay Kentours Sacco through M-Pesa
- Go to Lipa na M-Pesa and choose Pay Bill.
- Enter business number 194740.
- For the account number, type the product code followed by your membership number. For example, member 234567 paying a Normal Loan enters NML234567.
- Enter the amount and your M-Pesa PIN, then confirm.
Common codes are DEP for deposits, SHA for share capital, NML for the Normal Loan, EML for the Emergency Loan, INL for the Instant Loan, SFL for the School Fees Loan, PML for the Premium Loan, KLL for the Karibu Loan, JIP for Jipange Savings, JUN for Junior Savings and INS for insurance. If you are not sure of the code, the membership number alone still works, but the Sacco says your account will not update immediately. Payments through the Kentours app or *670# post in real time. Normal M-Pesa charges apply, and only one Safaricom number registered in your own name can be linked for mobile banking.
Bank payments go to Kentours Regulated Non-WDT Sacco Society Limited, account 01120000563700 at Co-operative Bank, Green House Mall branch (bank code 11153, SWIFT KCOOKENA).
Frequently asked questions
What is the Kentours Sacco paybill number?
The paybill is 194740. Use the product code plus your membership number as the account number, for example DEP234567 for deposits.
How much do I need to join Kentours Sacco?
A KSh 1,200 entrance fee and KSh 200 for the by-laws, then share capital of KSh 9,000 over up to 25 months and monthly deposits of at least KSh 1,500.
How long before I can get a Kentours Sacco loan?
Six months after registration for most loans, and three months for the Karibu Loan.
How much can I borrow from Kentours Sacco?
The Normal Loan goes up to three times your deposits, capped at KSh 15 million. The Instant Loan goes up to 3.5 times your deposits, capped at KSh 500,000.
Where is the Kentours Sacco office?
Commodore Office Suites, 1st Floor, Kindaruma Road in Kilimani, Nairobi. You can call 0709 309 000 or email info@kentours.co.ke.
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