MSACCO Mobile Banking
Access your Kijura SACCO account directly from your mobile phone. Deposit funds, withdraw money, check balances, apply for loans, and manage your finances conveniently through USSD and the MSACCO Mobile App.
Banking Convenience In Your Hands
Access savings, loans, deposits and withdrawals anytime from your mobile phone. No queues. No unnecessary branch visits.
24/7
Access Anytime
Fast
Transactions
Secure
PIN Protection
Mobile
Banking Access
Welcome Back
MSACCO Member
Available Savings
UGX 2,450,000
Complete SACCO Banking From Your Phone
Manage your finances wherever you are. MSACCO brings all essential SACCO services directly to your mobile device.
Join and activate MSACCO
Deposit directly from Mobile Money
Withdraw funds instantly
Track loans and repayments
Check balances anytime
Secure PIN authentication
Join MSACCO in Just a Few Minutes
Register your account and start enjoying mobile banking services, instant transactions, loan access and account management directly from your phone.
Mobile Number
Active MTN or Airtel number.
SACCO Account
Existing active member account.
Member ID
Institution or membership details.
Secure PIN
Create a strong MSACCO PIN.
MTN Registration
For MTN Mobile Money users
USSD Registration Code
*165*6*3#
Dial *165*6*3#
Select SACCO Services
Enter SACCO ID: KIJU
Enter Institution ID
Enter account number and append 1
Create your secure PIN
Confirm PIN and complete registration
Airtel Registration
For Airtel Money users
USSD Registration Code
*185*7*3#
Dial *185*7*3#
Select SACCO Services
Enter SACCO ID: KIJU
Institution ID: 1110498
Enter account number and append 1
Create a secure PIN
Confirm PIN and activate account
What Happens After Registration?
Once registration is complete, your MSACCO account becomes active and ready to access digital SACCO services.
💰 Deposit Funds
Transfer money directly into your SACCO account.
📈 Access Loans
Apply and monitor loan applications remotely.
📱 Mobile Banking
Manage your account from anywhere at any time.
Security Reminder
Choose a PIN that is difficult to guess and never share it with anyone. MSACCO staff will never ask for your PIN, password, or one-time verification codes.
Deposit & Withdraw Funds With Ease
Transfer money between your Mobile Money wallet and your SACCO account quickly, securely and conveniently without visiting a branch.
Mobile Access
Use your phone anytime, anywhere.
Fast Processing
Transactions are processed in real time.
Secure Transfers
Protected with your MSACCO PIN.
Deposit Funds Using
MTN: *165*6*3#
Airtel: *185*7*3#
Dial the MSACCO USSD code on your phone.
Select Deposit Money from the menu.
Choose the SACCO account to deposit into.
Enter the amount you wish to deposit.
Confirm the transaction details.
Approve the Mobile Money payment prompt.
Receive confirmation from both Mobile Money and MSACCO.
Important Security Reminder
Never share your MSACCO PIN, Mobile Money PIN or OTP codes with anyone. Always verify transaction details before confirming any deposit or withdrawal.
Security Notice
- • Never share your MSACCO PIN with anyone.
- • Kijura SACCO will never ask for your PIN.
- • Always verify USSD prompts before confirming transactions.
- • Report suspicious activity immediately.
- • Keep your mobile number updated with the SACCO.
MSACCO Mobile App
Enjoy a richer digital banking experience through the MSACCO Mobile Application. Access your account information, transactions, and SACCO services with greater convenience.
- Balance Inquiry
- Loan Applications
- Account Statements
- Faster Transactions