Stima Sacco is a licensed Deposit Taking Sacco established in 1974 with the sole objective of uplifting the members’ social economic wellbeing.

The Sacco has nine branches in Nairobi(Parklands), Mombasa, Kisumu, Nakuru, Olkaria, Eldoret, Nairobi CBD, Embu and Kawi Centre (South C).

Without having to visit any of their branches, Stima Sacco Members can easily deposit funds to their account using Safaricom MPesa service.


  1. Go to M-PESA toolkit
  2. Select Lipa na M-PESA option
  3. Go to Paybill
  4. Enter Stima Sacco Paybill number 523500 as the business number
  5. For payment into Deposit, Enter your Member No followed by the alphabet D, e.g.  123456D
  6. For payment into shares, enter your Member No followed by the alphabet S, e.g.  123456S
  7. For Payment into Real Estate Fund enter you Member No followed by the alphabet R, e.g.  123456R
  8. For Payment into Land Account enter you Member No followed by the alphabet L, e.g.  123456L
  9. Enter the amount you wish to deposit
  10. Enter your M-PESA PIN
  11. Confirm details are correct and press OK!

After successful payment, you will receive a confirmation SMS from M-PESA as well as Stima Sacco.

Stima SACCO Contacts

Call: 0703 024 000 / 0703 024 024

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