Airports Sacco Society Limited is a prominent Tier-1, Deposit-Taking (DT) Sacco in Kenya. Founded in 1994 by employees of the Kenya Airports Authority (KAA), it has grown from a closed-bond society into a large, inclusive financial institution regulated by the Sacco Societies Regulatory Authority (SASRA).
Airports Sacco Society Limited’s Quick Facts
| Names of the Deposit Taking SACCO Society | Postal Address | Physical Location of Head Office | County |
| Location of Head Office | |||
| Airports Sacco Society Limited | P.O. Box 19048 – 00500, Nairobi | Kenya Airports Authority Head Quarters Building | Nairobi |
Currently, the Sacco remains fully licensed and authorized to conduct deposit-taking business in Kenya.
Membership & Eligibility
The Sacco has significantly broadened its “common bond” to allow virtually any Kenyan to join. Current membership categories include:
- Employees: Originally for KAA staff, but now open to all salaried government and private sector employees.
- MSMEs: Individual business owners and entrepreneurs.
- Registered Groups: Self-help groups (Chamas) and investment clubs.
- Diaspora: Kenyans living and working abroad.
Airports Sacco Society Limited’s Financial Products
Airports Sacco operates a dual-wing system, offering both long-term investment and daily banking services:
1. BOSA (Back Office) – Savings & Investment
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Development Loans: Long-term credit for major projects, typically repayable within 48 to 72 months.
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Hifadhi Loan: A specialized product for members with higher deposit contributions.
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School Fees & Emergency Loans: Short-term facilities with quick turnaround times to address urgent needs.
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Dividends: Members earn annual interest on deposits and dividends on share capital based on the Sacco’s performance.
2. FOSA (Front Office) – Banking Services
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Salary Accounts: For processing monthly pay with no monthly ledger fees.
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Micro-Credit: Quick mobile loans and salary advances (e.g., 1-month to 12-month advances).
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Junior & Holiday Accounts: Specialized savings accounts for children and seasonal planning.
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Digital Banking: Full access via the Airports Sacco App and USSD code
*850#.
Airports Sacco Society Limited’s Main Information & Contacts
The Sacco’s primary operations are centered in Nairobi, though it serves members across all major Kenyan airports and beyond.
| Detail | Information |
| Headquarters | Airport Trade Center, JKIA, Nairobi |
| Postal Address | P.O. Box 19001 – 00501, Nairobi |
| Main Phone | +254 20 790 3119 / 0717 243119 |
| WhatsApp (FOSA) | 0743 294 944 |
| [email protected] / [email protected] |
Website: https://www.airportssacco.co.ke/
Why Members Choose Airports Sacco
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Multiplier Effect: Most loans are granted at 3x or 4x of a member’s total deposits.
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Long Repayment: Certain investment products offer flexible repayment periods of up to 84 months.
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Stability: Its historical link to the aviation industry has provided it with a strong financial foundation and high asset quality.
How to Join Airports Sacco Society Limited
Application for membership
Every applicant for membership shall fill and complete the “Membership Application Form”. This form shall be drawn to show all the information required for the purpose of registration of members.
Download the membership application form(s) below.
Admission into Membership
- An applicant shall be admitted to membership on the application upon payment of an entrance fee of Kshs 1,000 and a minimum of 250 shares of Kshs. 20 each or an amount as shall be fixed by the General meeting from time to time.
- Upon admission, the member’s name shall be entered in the membership register and a membership number issued.
- Members shall be admitted by the management board subject to Confirmation by the next general meeting.
- The member shall pay for a copy of the society’s by-laws at its actual cost to the society.
Rights of Members
A member of the society shall have the right to:
- Attend and participate in decision making at all general meetings of the society and vote;
- Be elected to organs of the society, subject to these by-laws;
- Enjoy the use of all the facilities and services of the society subject to the society’s by-laws;
- All legitimate information relating to the society, including, internal regulations, registers, Minutes of general meetings and supervisory committees reports, annual accounts, inventories and investigation reports, at the society’s registered office.
Obligations of Members
A member of the society shall have the obligation to:
- Observe and comply with all the society’s by-laws and decisions taken by the relevant organs of the society;
- Buy and pay up for shares and deposits or make any other regular payments provided for in these By-laws;
- Meet the debts of the society in case of insolvency in accordance with the provisions of the Act and these by-laws.
Member’s Personal Statement
The society may use “check off system”, standing orders or cash for payments of members shares, deposits and loan repayments. However, when direct payments have to be made, they shall be paid directly into the society’s bank account and a receipt issued by the society on submission of the bank slip. Every member shall receive regular statements at least once every three months, which shall contain particulars of membership, shares, deposits and loan transactions with the society.
Withdrawal from Society
A member may at anytime withdraw from the society by giving at least sixty (60) days written notice to the board of directors.
For more detailed information on membership read the Sacco By-laws.
Diaspora membership
Airports Sacco is pleased to announce the launch of its Diaspora Property Opportunity (DPO) site located in the up and coming area of Kamulu Drumvale. We are now expanding to the Kenyan Community in the Diaspora.
Download the diaspora membership form
Airports Sacco Society Limited’s Contacts
- Membership Portal: https://members.airportssacco.co.ke:8094/
FOSA contacts
- Office: JKIA Cargo Terminal
- Office Land Line: +254 20 7903119
- WhatsApp Line: 0743 294 944
- Email: [email protected]
BOSA contacts
- Office Land Line: +254 20 7903119
- Email: [email protected]
Main Services Offered by Airports Sacco Society Limited
1. FOSA Products
The following are the Sacco’s range of Front Office services Activity (FOSA) accounts, loans and services. For more information contact the FOSA office by writing to [email protected] or by calling +254 715 843888. FOSA offices remain open from Monday to Friday, 8:00am to 5:00pm.
- Minimum operating balance is 500
- No monthly charges
- Has ATM card and Mobile banking services
- Account holder can borrow FOSA loan of upto 500,000 repayable within 36 months
- Minimum operating balance is 500
- No monthly charges
- Account holder can borrow advance for upto 6 months depending on the account transactions
- Account holder can make monthly contributions through check–off system
- Minimum operating balance is 1000
- No monthly charges
- Has ATM card and Mobile banking services
- Applicable to registered and non-registered groups
- Minimum operating balance is ksh.5000
- No monthly charges
Requirements:
- Group minutes stating the reasons for opening the account signed by the signatories
- Group signatories
- Certificate of registration
- List of group members, ID numbers and signatures
- Minimum operating balance is Ksh. 5000
- No monthly charges
Requirements:
- A letter on company letter head and signed by company director stating the reason for opening the account with Airports Sacco.
- List of company Directors
- Company signatories
- KRA Pin certificate
- Certificate of incorporation
This is a withdrawal deposit account where depositors can place value through prudent management. Deposits are for a specific number of months usually between 3 months to 12 months.
Features:
- Minimum of Ksh 50,000
- Interest computed monthly and credited at maturity of the contract
- Accrued interest forfeited if a depositor withdraws the funds before maturity date
- The depositor is issued with a certificate of deposit upon depositing the money
- No monthly charges
- Minimum operating balances Ksh. 1000
- Has ATM card and Mobile banking services
- No Queuing for services
- No monthly charges
- Minimum operating balances Ksh. 5000
- Has ATM card and Mobile banking services
- Free monthly statements
- Loan issued to new Sacco members only
- Maximum amount one can apply is 200,000.00 where ksh. 30,000 of the amount applied will be transferred to share capital and deposits upon posting of the loan
- Interest for loan is 1% per month on reducing balance
- Maximum repayment period 24 months
Salary Advances & Other Loan Products
- One month advance – interest 5%
- Three month advance – 5% per month on reducing balance
- Six month advance 6% per month on reducing balance
- One year loan. 1.208% per month on straight line method
- Okoa 2 years loan 1.208% per month on straight line method
- FOSA Mega loan 1.5% per month on reducing balance
- Mobile banking loan – applied through phone – interest 10% paid upfront
- Safaricom loan products – 3% per month on reducing balance
FOSA Services
- KRA payments
- Bankers cheques
- Safe custody
- NHIF Payment
- Co-operati
2. BOSA Products
The following are the Sacco’s Back Office (BOSA) loans and services. For more information contact BOSA office by writing to [email protected] or by calling +254 0717243119. BOSA offices remain open from Monday to Friday, 8:00am to 5:00pm.
- Payble within 48 months
- Interest 1% per month on reducing balance
- Payble within 12 months
- Interest 1% per month on reducing balance
- Payble within 12 months
- Interest 1% per month on reducing balance
- Payble within 72 months
- Interest 1.25% per month on reducing balance
- Payable within 60 months
- Interest 1.1% per month on reducing balance
- For members who would like to access their dividend before the years AGM
- Interest 2% per month on reducing balance
- Allows members to take a loan of up to 7 years
- Interest 14% per annum amortized
- Savings from January to December
- A member can amend this savings within the course of the year
- A member can request withdrawal of whole / partial of the savings
- Interest on savings is given back to members in November/ December on a prorate basis
3. M-Banking Services
The Sacco provides the following M-banking services:
- Transfers from account to M-PESA
- Airtime purchase
- Mini statements
- Repayment of loans
- Request of advance
- Contribute deposit
Accessing the m-banking services
Dial *720#
Deposit cash to Fosa account
- Go to m-pesa menu and select Lipa na m-pesa-paybill option.
- Enter Airports Sacco business number 182239 and click ok
- Under account no, enter your FOSA account no e.g 1-01-37****-01 or 1-01-37****-06 depending on account type.
- Enter amount you wish to deposit
- Enter your m-pesa pin and click OK
- Confirm your details and press OK
- You will receive a confirmation message.
Common ATM error codes
- Error code 106 – PIN tries exceeded-card blocked
- Error code 116 – Insufficient Funds
- Error code 118 – Card not activated
- Error code 911/912 – System delay/Network error
- Error code 114 Account dormant
Frequently Asked Questions on Airports Sacco
Why become a member of Airports Sacco Member?
- Avenue for saving with good annual returns inform of Dividends on share capital and interest of deposits.
- Access to competitive credit/ loan facilities.
- Access to individual tailored loans products of up to 4 times member’s deposits.
- Continuous member education & training.
- Fully digitalized self-service options.
- Access to investment product with flexible repayment period of up to 84 months.
- Short turnaround time on processing of loans and services.
Who Can Join Airports Sacco?
- Open to both Salaried and non-salaried Employees
- MSMEs /Business Individual/People
- Registered self-Help Groups
- Kenyans in Diaspora
- Other Government Employees
Q. How does one access Airports Sacco’s mobile banking services?
Dial *720#
Q. How does one deposit cash to Airports Sacco’s Fosa account?
- Go to m-pesa menu and select Lipa na m-pesa-paybill option.
- Enter Airports Sacco business number 182239 and click ok
- Under account no, enter your FOSA account no e.g 1-01-37****-01 or 1-01-37****-06 depending on account type.
- Enter amount you wish to deposit
- Enter your m-pesa pin and click OK
- Confirm your details and press OK
- You will receive a confirmation message.
Q. What are the common Airports Sacco’s ATM error codes?
- Error code 106 – PIN tries exceeded-card blocked
- Error code 116 – Insufficient Funds
- Error code 118 – Card not activated
- Error code 911/912 – System delay/Network error
- Error code 114 Account dormant
