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Bingwa Sacco Paybill & USSD Code: Everything You Need to Know

  • BY waceke
  • July 16, 2025
man using phone

Bingwa Sacco, a trailblazer in Kenya’s cooperative sector since its registration in 1984, has revolutionized financial access through innovative mobile banking solutions. Partnered with Cooperative Bank, Bingwa Sacco offers seamless, secure, and convenient ways to manage your finances using its Paybill numbers (765244 and 400200) and USSD codes (*667*2# or 5572#). With a network of 19 branches and an asset base of Ksh 6.82 billion, Bingwa Sacco serves over 190,000 members, providing a wide range of savings, investment, and loan products tailored to individuals, businesses, and farmers.

This comprehensive guide explores Bingwa Sacco’s mobile banking services, including detailed steps for using Paybill and USSD codes, benefits, and tips for secure transactions. Whether you’re depositing savings, investing in shares, or checking your account balance, Bingwa Sacco’s mobile banking ensures you can manage your finances anytime, anywhere.

Introduction to Bingwa Sacco’s Mobile Banking

Bingwa Sacco, initially registered as Kirinyaga Tea Growers Sacco, was the first of its kind in Kenya and Africa. It introduced Front Office Service Activity (FOSA) in 1993 and received a deposit-taking license from the Sacco Societies Regulatory Authority (SASRA) in 2011. Today, it stands as a leading SACCO, recognized for Best Managed Sacco in Kenya and Best Customer Care. Its mobile banking platform, powered by a partnership with Cooperative Bank, offers members unparalleled convenience through two primary channels: USSD codes (*667*2# or 5572#) and the MCo-op Cash App.

Mobile banking with Bingwa Sacco allows members to perform transactions like depositing funds, transferring money, and checking balances without visiting a branch. With M-Pesa integration via Paybill numbers 765244 and 400200, members can fund their accounts instantly and securely. This article provides a step-by-step guide to using these services, ensuring you can leverage Bingwa Sacco’s mobile banking for financial empowerment.

Bingwa Sacco Mobile Banking Channels

Bingwa Sacco offers two robust mobile banking channels, optimized for accessibility and ease of use. These channels cater to members searching for “Bingwa SACCO mobile banking Kenya” or “Bingwa Sacco USSD code.”

1. Mobile Banking – USSD

The USSD platform is ideal for members without internet access or smartphones, making it a top choice for rural farmers and urban professionals alike. By dialing *667*2# or *557*2#, members can access a range of services securely.

How to Activate USSD Banking

  • Complete the Application Form: Visit any Bingwa Sacco branch or service point to fill out the mobile banking application form. You can also contact +254 725 713 471 for assistance.
  • Dial *667*2# or *557*2#: Enter your PIN (provided upon registration) to activate the service.
  • Set a New PIN: Follow prompts to change your default PIN to a secure, personal one for enhanced security.

USSD Services Available

  • Check Account Balance: View your savings or loan balance instantly.
  • Transfer Funds: Move money from your Bingwa Sacco account to any M-Pesa subscriber.
  • Deposit Funds: Fund your savings or investment accounts using M-Pesa Paybill numbers.
  • Loan Enquiries: Check loan eligibility and outstanding balances.

The USSD platform is cost-effective, requiring no internet connection, and is accessible on any phone.

2. MCo-op Cash App (SACCO OMNI)

The MCo-op Cash App, developed by Cooperative Bank, is a feature-rich platform available on Android and iOS. It’s perfect for tech-savvy members looking for “Bingwa Sacco mobile app”.

Key Features of the MCo-op Cash App

  • Quick Balance Display: View account balances instantly without logging in repeatedly.
  • ATM Locator: Find nearby Visa-branded ATMs for cash withdrawals.
  • M-Pesa Integration: Send money to M-Pesa accounts directly from the app, linked to your phone’s address book.
  • Loan Management: Apply for loans, check balances, and repay loans seamlessly.
  • Secure Transactions: Enhanced security features protect your financial data.

How to Get Started with the MCo-op Cash App

  1. Download the App: Available on Google Play Store or Apple App Store. Search for “MCo-op Cash.”
  2. Register: Use your Bingwa Sacco membership details to sign up.
  3. Log In: Enter your PIN or set a new one for secure access.
  4. Explore Services: Access savings, loans, and transfer options from the app’s intuitive interface.

The app requires an internet connection but offers a user-friendly experience, making it a top choice for “mobile banking apps in Kenya.”

Bingwa Sacco Paybill Numbers: 765244 and 400200

Bingwa Sacco offers two Paybill numbers for M-Pesa deposits: 765244 (Bingwa Sacco Paybill) and 400200 (Coop to Sacco Paybill). These numbers enable free and instant deposits to savings, shares, and deposit accounts, appealing to members searching for “Bingwa Sacco Paybill number” or “M-Pesa SACCO deposits.”

Depositing Using Paybill 765244

Using Identification Number

  • Savings Account Deposit:
    1. Go to M-Pesa menu on your phone.
    2. Select Lipa na M-Pesa > Paybill.
    3. Enter Business Number: 765244.
    4. Enter Account Number: Your ID Number, Passport Number, or Membership Number (as registered with Bingwa Sacco).
    5. Enter the amount to deposit.
    6. Enter your M-Pesa PIN and confirm.
    7. Wait for a confirmation SMS from M-Pesa.
  • Sacco Shares Investment (Payable dividends, transferable):
    1. Follow the same steps as above.
    2. Enter Account Number: IDNOS1, PASSPORTNOS1, or MEMBERNOS1 (add “S1” to your ID or membership number).
    3. Complete the transaction with your M-Pesa PIN.
  • Sacco Deposits Investment (Interest-bearing, refundable, can guarantee loans):
    1. Follow the same steps as above.
    2. Enter Account Number: IDNOS2, PASSPORTNOS2, or MEMBERNOS2 (add “S2” to your ID or membership number).
    3. Complete the transaction.

Using Account Number

  • Savings Account Deposit:
    1. Go to M-Pesa menu.
    2. Select Lipa na M-Pesa > Paybill.
    3. Enter Business Number: 765244.
    4. Enter Account Number: Your Bingwa Sacco Account Number (verify with +254 725 713 471 if unsure).
    5. Enter the amount and M-Pesa PIN.
    6. Confirm and receive an SMS.
  • Sacco Shares Investment:
    1. Follow the same steps.
    2. Enter Account Number: Your Shares Account Number.
    3. Complete the transaction.
  • Sacco Deposits Investment:
    1. Follow the same steps.
    2. Enter Account Number: Your Deposits Account Number.
    3. Complete the transaction.

Depositing Using Paybill 400200

Using Identification Number

  • Savings Account Deposit:
    1. Go to M-Pesa menu.
    2. Select Lipa na M-Pesa > Paybill.
    3. Enter Business Number: 400200.
    4. Enter Account Number: 3375#IDNO or 3375#PASSPORTNO (e.g., if your ID is 1234567, enter 3375#1234567).
    5. Enter the amount and M-Pesa PIN.
    6. Confirm and receive an SMS.
  • Sacco Shares Investment:
    1. Follow the same steps.
    2. Enter Account Number: 3375#IDNOS1 or 3375#PASSPORTNOS1 (e.g., 3375#1234567S1).
    3. Complete the transaction.
  • Sacco Deposits Investment:
    1. Follow the same steps.
    2. Enter Account Number: 3375#IDNOS2 or 3375#PASSPORTNOS2 (e.g., 3375#1234567S2).
    3. Complete the transaction.

Using Account Number

  • Savings Account Deposit:
    1. Go to M-Pesa menu.
    2. Select Lipa na M-Pesa > Paybill.
    3. Enter Business Number: 400200.
    4. Enter Account Number: 3375#AccountNumber (e.g., if your account is 4107-007-00001, enter 3375#410700700001).
    5. Enter the amount and M-Pesa PIN.
    6. Confirm and receive an SMS.
  • Sacco Shares Investment:
    1. Follow the same steps.
    2. Enter Account Number: 3375#AccountNumberS1 (e.g., 3375#410700700001S1).
    3. Complete the transaction.
  • Sacco Deposits Investment:
    1. Follow the same steps.
    2. Enter Account Number: 3375#AccountNumberS2 (e.g., 3375#410700700001S2).
    3. Complete the transaction.

Note: Always use the correct ID, passport, membership, or account number. For clarification, contact Bingwa Sacco at +254 725 713 471. Deposits are free, instant, and secure, making this a top choice for “M-Pesa SACCO deposits Kenya.”

Benefits of Bingwa Sacco Mobile Banking

Bingwa Sacco’s mobile banking services offer numerous advantages, appealing to those searching for “best SACCO mobile banking in Kenya”:

  • Convenience: Access your account 24/7 from anywhere using USSD or the MCo-op Cash App.
  • Free Deposits: No charges for M-Pesa deposits via Paybill 765244 or 400200.
  • Instant Transactions: Deposits and transfers are processed in real-time.
  • Secure Platform: PIN-protected USSD and app transactions ensure safety.
  • Versatility: Supports savings, share investments, deposit accounts, and loan repayments.
  • Accessibility: USSD works on any phone, while the app caters to smartphone users.
  • Integration with M-Pesa: Seamless transfers to and from M-Pesa accounts.

These benefits make Bingwa Sacco a leader in “mobile banking SACCOs Kenya.”

Tips for Secure Mobile Banking with Bingwa Sacco

To ensure safe transactions, follow these best practices, optimized for “secure SACCO mobile banking Kenya”:

  1. Protect Your PIN: Never share your USSD or MCo-op Cash App PIN. Change it regularly for added security.
  2. Verify Account Details: Double-check your ID, passport, or account number before depositing.
  3. Use Registered Phone Number: Ensure your M-Pesa and SACCO accounts are linked to the same phone number.
  4. Monitor Transactions: Check confirmation SMS for every transaction and report discrepancies to +254 799 979 535.
  5. Secure Your Device: For app users, install antivirus software and avoid public Wi-Fi for banking.
  6. Contact Support for Issues: Reach out to +254 725 713 471 if you encounter errors or suspect fraud.

If you lose your phone, immediately block your SIM card with your mobile provider and visit a Bingwa Sacco branch to reset your MCo-op Cash App access.

Why Choose Bingwa Sacco for Mobile Banking?

Bingwa Sacco’s mobile banking stands out for its reliability, accessibility, and member-centric approach, making it a top choice for “best SACCOs in Kenya for mobile banking”:

  • Robust Technology: Integration with Cooperative Bank’s MCo-op Cash platform ensures a seamless experience.
  • Extensive Reach: 19 branches and mobile units complement digital services for comprehensive access.
  • Award-Winning Service: Recognized for Best Customer Care and Best Managed Sacco in Kenya.
  • Tailored Products: Supports diverse needs, from farmers to diaspora members, with specialized accounts and loans.
  • No Hidden Fees: Transparent transactions with free M-Pesa deposits.

In 2023, Bingwa Sacco’s loan book grew by Ksh 800 million to Ksh 4.67 billion, reflecting its financial strength and member trust.

How to Get Started with Bingwa Sacco Mobile Banking

To begin using Bingwa Sacco’s mobile banking services, follow these steps, optimized for “how to join SACCO mobile banking Kenya”:

  1. Join Bingwa Sacco: Visit a branch, provide your National ID, pay the Ksh 1,000 entrance fee, and open an account.
  2. Register for Mobile Banking: Complete the mobile banking application form at any branch.
  3. Activate USSD: Dial 6672# or 5572# and set your PIN.
  4. Download MCo-op Cash App: Install from Google Play Store or Apple App Store and register with your membership details.
  5. Start Transacting: Use Paybill 765244 or 400200 for deposits and USSD/app for other services.

For assistance, contact Bingwa Sacco at +254 725 713 471 or visit www.bingwasacco.coop.

Contact Bingwa Sacco

For inquiries or support with mobile banking, reach out through:

Bingwa Sacco’s mobile banking services, powered by Paybill numbers 765244 and 400200 and USSD codes *667*2# and *557*2#, offer a convenient, secure, and efficient way to manage your finances. Whether you’re depositing to your savings account, investing in shares, or checking your loan balance, Bingwa Sacco’s platforms make financial management accessible to all. With its commitment to innovation, transparency, and member empowerment, Bingwa Sacco remains a leader in Kenya’s SACCO sector. Start using its mobile banking services today and take control of your financial future.