Afya Sacco is a leading cooperative society in Kenya offering financial services to healthcare professionals and the public. With mobile banking innovations like Afya Sacco Paybill Number 570200 and USSD code *346#, members can deposit funds, repay loans, check balances, and apply for credit from their phones.
The Afya Sacco Paybill number is 507400. You can use this number when making payments to Afya Sacco through M-PESA, and your account number is your ID number, according to Safaricom.
How to Use Afya Sacco Paybill Number 570200
- Go to your M-PESA Menu.
- Select Lipa na M-PESA > Pay Bill.
- Enter Business Number: 570200.
- Enter your FOSA account number.
- Enter the amount you want to deposit.
- Enter your M-PESA PIN.
- Confirm the details and press OK.
- You will receive a confirmation SMS from Safaricom.
Afya Sacco M-Sacco Services (*346#)
Dial *USSD 346# (Safaricom) for the following mobile banking services:
- Withdraw funds from Sacco to M-Pesa.
- Loan repayments from M-Pesa.
- Balance inquiry and mini statements.
- Apply for FOSA instant loans.
- Fund transfers within Afya Sacco.
- Change your M-Sacco PIN.
Note: Registration at your branch is required with a valid national ID.

Afya Sacco FOSA Products
- Savings Accounts
- Fixed Deposit Accounts
- Bankers Cheques & Standing Orders
- Encashment & Clearance of Cheques
- Salary Processing
- SACCO LINK Visa ATM Services
- Short-term Advances & Personal Loans
- School Fees & Student Accounts
- Safe Custody for Assets
Afya Sacco Savings Products
- Group Savings Account – For registered groups.
- Personal Savings Account – For individual members.
- Amsha Savings Account – Tailored for medical professionals.
- Ukulima/Biashara Account – For agribusiness and SMEs.
- Sharia-Compliant Account – A non-interest-bearing savings product.
- School Fees Account – Designed to help with education planning.
Afya Sacco Loan Products
1. Amsha-Huduma Loan
Tailored for healthcare professionals and institutions.
Covers equipment financing, vehicle purchases, infrastructure, and working capital.
- Interest: 0.5% weekly or 2% monthly.
- 20% equity contribution required.
- Valid practice certificate and 2 years in business required.
2. Business Loans
For SMEs and individuals with personal or group security.
- Loan amount: Ksh 100,000 to Ksh 5 million.
- Fast approval and flexible repayment.
3. Elimu Loan
For employees seeking higher education.
- Paid directly to colleges.
- Salary check-off repayment.
4. Group Business Loans
For registered groups with 5–25 members.
- Loan limit: Ksh 5,000 to Ksh 5 million.
- Initial loans double the savings amount.
- 2.5% loan appraisal and risk management fee.
5. Asset Financing Loan
For purchasing equipment or property.
- Finance up to 80% of value.
- Savings of 4 months required.
- Flexible security and repayment terms.
6. Household Loan
For purchasing household items.
- Loans up to twice your savings.
- Guarantors and items act as collateral.
- Repayment over 12–24 months.
Afya Sacco Branches in Kenya
- Afya Centre HQ – Nairobi CBD
- Kenyatta National Hospital – Nairobi
- Coast General Hospital – Mombasa
- New Nyanza Provincial Hospital – Kisumu
- Rift Valley Provincial Hospital – Nakuru
- Central Provincial Hospital – Nyeri
- Meru District Hospital – Meru
- Moi Teaching & Referral Hospital – Eldoret
- Western Provincial General Hospital – Kakamega
- Kisii General Hospital – Kisii
Afya Sacco Contacts
Head Office
Afya Centre, Nairobi
P.O. Box 11607 – 00400
Tel: +254 2223970
Email: [email protected]
Website: www.afyasacco.com
FOSA Branch Emails:
- Nairobi: [email protected]
- Nakuru: [email protected]
- Nyeri: [email protected]
- Meru: [email protected]
- Eldoret: [email protected]
- Mombasa: [email protected]
- Kisumu: [email protected]
- Kisii: [email protected]
- Kakamega: [email protected]
- Kenyatta: [email protected]
Use Afya Sacco Paybill Number 570200 to easily deposit, repay loans, and grow your savings today.







