Nation Sacco has operated in Kenya’s cooperative finance space since 1975, steadily evolving from a traditional savings society into a licensed deposit-taking SACCO. Over the years, Nation Sacco has expanded its product range, introduced FOSA banking services and embraced mobile platforms to remain competitive.
Registered on September 15, 1975, Nation Sacco was founded to help members accumulate savings and access affordable credit. Today, Nation Sacco operates as a Deposit Taking Sacco licensed and regulated by SASRA. That regulatory status places it among Kenya’s more structured cooperative financial institutions.
Nation Sacco Background and Regulatory Status
Nation Sacco began with a core objective: enable members to save consistently and borrow at fair interest rates. Like many Kenyan SACCOs established in the 1970s, it focused on employee-based membership before broadening its services.
In the last decade, the SACCO introduced FOSA operations, allowing it to provide front office banking services under one roof. As a result, members can access deposit accounts, withdrawals and transfers without relying solely on traditional BOSA services.
Because Nation Sacco is licensed by SASRA, it operates under strict prudential guidelines. This regulatory framework enhances member confidence and strengthens governance standards.
Nation Sacco Loans and Credit Services
Nation Sacco provides credit facilities to members based on savings and share contributions. Loans are typically structured around member deposits and guarantor systems, consistent with cooperative lending principles.
Through FOSA and BOSA structures, members can:
• Apply for loans
• Repay BOSA and FOSA loans
• Transfer funds internally
• Access share and deposit accounts
Unlike digital lenders, SACCO-based loans often feature structured repayment terms and member oversight. Therefore, they tend to support long-term financial planning rather than short-term borrowing cycles.
Nation Sacco Loan Repayment via Mobile
Members can repay loans through the M-Sacco platform or M-PESA paybill. This integration improves repayment efficiency and reduces in-branch congestion.
Nation Sacco Mobile Banking and M-Sacco
Nation Sacco offers mobile banking through its M-Sacco platform. Once registered, members can transact directly through their mobile phones.
Services available on M-Sacco include:
• Withdrawal from FOSA accounts
• Balance enquiry for loans, shares and deposits
• Funds transfer between accounts
• Loan repayment
• Utility payments
• Mini statements
• PIN changes
Digital access ensures 24/7 availability, aligning with Kenya’s mobile-first financial ecosystem.
Nation Sacco Paybill Number
Nation Sacco Paybill Number is 895790.
To deposit via M-PESA:
- Go to Lipa na M-Pesa
- Select Pay Bill
- Enter 895790
- Use your National ID number or FOSA account number
- Confirm transaction
For share deposits, members may use their ID number followed by SD as instructed by the SACCO.
Mobile integration remains critical as Kenya’s digital payments landscape continues to expand.
Nation Sacco Branch Location and Contacts
Head Office
Cambrian Building, 1st Floor
Moi Avenue, Nairobi
Tel: 020-2624040
Mobile: 0719-038571
Email: [email protected]
Operating Hours:
Monday to Friday
8:00 AM – 4:00 PM
Nation Sacco’s central Nairobi location supports accessibility for members working in the city.
Nation Sacco in Kenya’s Cooperative Sector
Kenya’s SACCO movement ranks among Africa’s strongest cooperative systems. Deposit-taking SACCOs compete directly with banks and microfinance institutions.
Over the past decade, digital lenders have reshaped short-term borrowing. However, cooperative institutions like Nation Sacco continue to offer structured, savings-backed lending.
Moreover, SASRA regulation has improved capital adequacy and transparency across deposit-taking SACCOs. Therefore, institutions that modernize operations while maintaining governance standards remain well positioned.
Why This Matters
Affordable credit and secure savings options remain vital for Kenya’s middle-income earners. Nation Sacco supports financial stability by combining traditional cooperative principles with digital access.
In an environment where fintech firms dominate headlines, regulated SACCOs still anchor grassroots financial inclusion.
What Happens Next
Nation Sacco will likely continue refining its digital platforms while expanding product offerings. As competition intensifies, service efficiency and financial performance will determine long-term sustainability.
For members, evaluating loan terms, dividend history and digital convenience remains essential when choosing a cooperative partner.
