Imarika Sacco was originally established as Malindi Teachers Sacco and later evolved into Kilifi Teachers Sacco as more members from Kilifi County joined. With further growth across Kenya and among diaspora members, the Sacco rebranded to Imarika Sacco—signifying stability, trust, and financial security. Imarika Sacco Paybill Number 4404404
The Sacco now boasts over 38,000 members, serving professionals across the country and beyond.
At Imarika Sacco, we prioritize your convenience. Our USSD codes, *645# and *440#, are designed to streamline your banking experience. With *645#, or *440#, you can access a range of account services and transactions directly from your mobile phone, anytime and anywhere. Embrace the ease of managing your finances on-the-go with Imarika Sacco’s intuitive USSD codes.
Have you tried Imarika Sacco’s M-Pesa Paybill Number: 4404 404! This convenient service allows you to easily manage your Sacco transactions directly from your mobile phone. Whether you’re making contributions, paying loans, or handling other financial activities, our M-Pesa Paybill number ensures a seamless and efficient experience. Simply use the number 4404 404 for all your Sacco-related payments and enjoy the convenience of managing your finances anytime, anywhere.
The Imarika Sacco Saccolink VISA ATM card offers unparalleled convenience and security for your financial transactions. Designed to provide easy access to your funds, this card allows you to withdraw cash, check account balances, and make purchases at millions of locations worldwide. With the added benefit of VISA’s global acceptance and advanced security features, the Saccolink card ensures that your banking experience is both seamless and secure. Whether you’re at home or abroad, Imarika Sacco’s Saccolink VISA ATM card puts your money within reach anytime, anywhere.
How to Use Imarika Sacco Paybill Number 4404404

Members can conveniently make deposits and loan repayments using Imarika Sacco Paybill Number 4404404 through the M-PESA platform:
- Go to your M-PESA Menu
- Select Lipa na M-PESA
- Tap Pay Bill
- Enter the Business Number: 4404404
- Enter your Imarika Sacco membership number as the account number
- Input the amount you want to pay
- Enter your M-PESA PIN
- Confirm details and press OK
- You’ll receive a confirmation SMS from Safaricom
Imarika Sacco Mobile Banking (Mbanking / Spotcash)
Imarika Sacco offers 24/7 access to a wide range of services via mobile banking, including:
- Cash withdrawals
- Mobile deposits
- Balance inquiries
- Savings and loan applications
- Mini-statements
- Airtime purchases
- Fund transfers
- Mkopo Hewani (e-loan) advance
- SMS alerts (Salary, loan granted, cheque maturity, guarantor notifications, ATM activity)

Imarika Sacco Savings Products
You can grow your savings using Imarika Sacco Paybill Number 4404404 by contributing to any of the following:
- Malaika Junior Savings Account
- Ordinary Savings Account
- School Fees Account
- Holiday Account
- Medical Account
- Ekeza Savings Account
- Mavuno Tele Loan-linked Savings
- Current Account
- Fixed Deposit Account
- MSCA Savings Account
These savings options cater to children, families, students, entrepreneurs, and salaried members.
Imarika Sacco Loan Products
BOSA Loans (Long-Term)
Pay through Paybill 4404404 for the following long-term credit options:
- Development Loan (Formerly Normal Loan)
- Smart Loan
- Karibu Loan
- Scholarplus Loan
- Swift Loan
- Emergency Loan
- School Fees Loan
FOSA Loans (Short-Term & Advances)
These loans are accessible via your FOSA account:
- Ufanisi Loan
- Imarika Vijana Loan
- Prestige Advance
- Ordinary Advance
- One-Month Advance
- Advance Top-Up
Imarika Sacco Contacts
For more information on Imarika Sacco Paybill Number 4404404, or assistance with your account, use the contact details below:
📍 Head Office:
Kitecoh Complex, P.O. Box 712, Kilifi
📧 Email:
[email protected]
📞 Phone:
041-7522572 / 041-7525017
📠 Fax:
041-7525001
Use Imarika Sacco Paybill Number 4404404 today to bank conveniently, securely, and grow your future.








