Gets all details on Amica Sacco Society Limited Contacts, Branches, Membership, Loans, Dividends, and Shares: Amica Sacco Society Limited (formerly known as Muramata Sacco) is a licensed Deposit-Taking Sacco in Kenya, primarily rooted in the Murang’a region but expanding its footprint nationwide. It has evolved from a tea-growers’ Sacco into a diverse financial institution serving over 200,000 members, including farmers, entrepreneurs, and salaried individuals.
Amica Sacco Society Limited’s quick Details
| Name of the Deposit Taking SACCO Society | Postal Address | Physical Location of Head Office | County |
| Location of Head Office | |||
| Amica Sacco Society Limited | P.O. Box 816 – 10200, Murang’a | Mugama Union Building – Uhuru Road, Murang’a | Murang’a |
Amica Sacco Society Limited’s Main Services & Products
Amica offers a variety of banking, investment, and credit solutions tailored for individuals, businesses, and groups:
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Amica Sacco Society Limited’s Savings Accounts:
- Amican Personal & Corporate Accounts: For everyday transactions, salary processing, and business operations.
- Junior Account: Designed to help parents save for their children’s future.
- Investa Account: A long-term savings goal account offering competitive interest (approx. 10% p.a.).
- Fixed Deposit: For lump-sum investments with guaranteed returns over a set period.
2. Amica Sacco Society Limited’s Credit Facilities:
- Development Loans: For long-term projects like land purchase or home construction.
- Business Loans: Includes “Stock Boosta” and working capital for SMEs.
- Asset Financing: For acquiring equipment or vehicles.
3. Amica Sacco Society Limited’s Digital Banking:
- Amicash Mobile: Accessed via *298# or the Amica Sacco App for deposits, withdrawals, and loan applications.
- Paybill Numbers: Uses 162180 or 4298298 for mobile transactions.
Amica Sacco Society Limited’s Membership Requirements
Joining is open to any Kenyan adult (18+) from any sector. To register, you typically need:
- A completed Membership Application Form.
- A copy of your National ID or Passport.
- A copy of your KRA PIN Certificate.
- Payment of a one-time Registration Fee and minimum Share Capital (which earns annual dividends).
How Diaspora Members Can Join Amica Sacco:
Here is Amica Sacco makes it easier for you:
- Save and invest easily through our trusted digital platforms
- Send money home to support your parents, siblings, or projects — safely and on time
- Grow your roots — invest in land, a home, or that business idea you’ve been dreaming about
- Get a reliable financial partner
- Access funds when you need to kick start or complete a project back in Kenya
Why So Many Diaspora Members Choose Amica:
- We’re right where your heart is — with 18 branches and 500+ agents across Murang’a, Kiambu, and Nairobi
- Enjoy a favorable dollar rate so your money works harder
- Real people, real support — get personalized help anytime you need it
- Earn more with competitive interest on your savings and investment accounts
- Affordable and low loan interest rates at flexible repayment periods
How To Join Amica as a Diaspora Member
- Fill the form, and send the copy in PDF form
- Attach necessary KYC documents
Required Documents:
- Copy of National Identity card
- Copy of Kenyan Passport
- Copy of Recent passport Photo
- Copy of KRA Pin
- Copy of Proof of Residency (residency permit/utility bill)
Amica Sacco Society Limited’s Member Portal
Amica Sacco Society Limited’s Key Locations & Contact
While its headquarters are in Murang’a (Farmers Union Building), it has a significant presence across several towns:
- Nairobi: KPCU Building, Haile Selassie Avenue.
- Thika: Kwame Nkrumah Street.
- Other Branches: Kangema, Kahuro, Kenol, Maragua, Kandara, and Gatura.
- Customer Support: +254 729 333 444 or email
[email protected].
Get in Touch with Amica Sacco
Amica Sacco Society Limited’s History
1966: Farmers in Murang’a (Formerly Murang’a District) merged to form Murang’a District Co-operative Union (MDCU) to offer banking services to their members.
1997: The Union Banking Section (UBS) transformed into a separate legal entity from Murang’a Farmers District Co-operative Union (MFDCU) and was registered as Murata Farmers Sacco Society Limited.
2016: Rebranded and changed Logo and name from Murata Sacco Ltd to Amica Savings & Credit Ltd.
Amica Sacco Society Limited’s Branches
Amica Sacco Society Limited’s Murang’a Branch – Headquarters
Farmers Union Building, Ground Floor Uhuru Street, Murang’a
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
KPCU building ground floor along Haile Sellasie Avenue
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Muranga Union Building, Kwame Nkuruma Street
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Kiriaini Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Muguru Iyego building, opposite Kangema Police Station
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Along Muranga -Kangema road, Karuri town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Mugoiri Housing, Kahuro Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Sabasaba Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Arahuka building, along Muranga – Thika Highway
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Kigumo Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Maragua Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Kirwara Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Muranga Union Building Ground Floor, Kandara Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Along Kahatia – Murarandia Road
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Kagunduini Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Gitugi Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Kangari Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Gatura Town
Working Hours:
Mon – Fri: 8.15 am to 4.30 pm
Sat: 8.30 am to 1.00 pm
Sunday and Public Holidays: Closed.
Amica Sacco Society Limited’s Shares
Become a member today.
Buying shares at Amica means you invest in and co-own a growing financial institution. One share is Ksh.10 and they are bought in multiples of 100.
Benefits:
- Earn annual dividends
- Elect delegates during elections
- Access free financial advice
- Access affordable credit
- Get an opportunity to invest in a growing financial institution
- Apply to become a Sacco delegate or director*
How to Buy Shares:
Option 1:
- Select M-Pesa Menu
- Lipa na M-Pesa
- Enter Paybill number 162180 or 4298298
- Enter Shares Account (15 digits)
- Enter Amount and Send
Option 2:
- Dial *298# on your mobile phone
- Select Option 2: Fund Transfer
- Choose: To Internal Member
- Select Destination Account: SHARES
- Enter Amount and Send
Amica Sacco Society Limited’s Saving Products
Amican Junior
This is a platform to save for your child’s future as you sensitize them on the importance of savings.
- Free school fees cheque
- Free piggy bank
- Interest paid on deposits above Ksh. 5000
- Access to discounted items with selected suppliers
- Child trained on finances at no cost
Futures Savings account
We help you plan for your short and medium term commitments as well as emergencies for instances; wedding, dowry payment, annual insurance premiums, further studies, holidays among others.
- Earn interest for amounts above Ksh 5,000
- Plan for emergency and future commitments with ease
- Free financial advisory services
Amica Sacco Society Limited’s Investment Options
Treasure Account
- Attractive interest on deposits at 7% p.a
- Interest paid on a monthly basis
- Deposits available on call
Fixed Deposit
An investment account that gives Sacco members a platform to earn high and competitive rate of return on deposit placed for a specified period.
- Flexible terms of either 1,3,6, 9 or 12 months
- Monthly interest payment options available
- Guaranteed return on investment as agreed in the contract
- Earn high and competitive rate of return on deposit
Investa Deposit Account
Available to individual members, group accounts & corporate accounts of the Sacco to help them secure their future through regular savings and investments.
- A platform to grow your savings and investment gradually
- Guaranteed interest of 10% regardless of amount
- Preferential borrowing rates
- Retirement plan
- Education Plan
- Emergency fund
- FREE Life Cover
How to Access Amica Sacco services
The Sacco provides a number of ways through which you can conveniently access their services. See full guide, below;
1. Amicash Mobile Banking
Amicash Mobile Banking is available 24/7
You can now use your mobile phone to:
- Enquire account balance
- Transfer funds
- M-Pesa transfers (deposits and withdrawals)
- Apply for a loan
- Deposit and withdraw through agency
- Pay your bills
2. Pesalink
Available in real-time for 24 hours to enable one to transfer money from one person to another in other financial institutions. PesaLink saves on costs and time by reducing the risk of handling cash.
Follow the below simple steps:-
- Select Transfer to Bank
- Indicate the Account
- Select the Recipient Bank
- Insert the Bank Account Number
- Write a short description (e.g. Rent Payment)
- Enter the Amount
- Enter your PIN to complete
3. Amica Visa Card
Settle bills, withdraw cash, shop online, access statements and check account balances with ease using our Amica Membership Card.
This card can be used on Local Visa, International Visa, Kenswitch ATMs, Bank agents as well as POS.
You can use the card to;
- Pay bills
- Withdraw cash
- Shop i.e. online and supermarkets
- Fuel your car
- Access statements
- Check account balances
4. RTFT/Transfer
Members can transfer money Real Time from other banks to their Amican Account through Real Time Funds Transfer.
Benefits:
- The easiest way to transfer huge amounts or high-value transactions
- Safe and secure. It’s a risk-free method of funds
- Speed. There’s no delay since the transactions are carried out on a real-time basis
- Transactions beyond geographical boundaries.
- Convenient since transfers can be done from wherever
5. Amica Sacco App
It’s time to level up your banking with simple and secure online banking.
Download the Amica App by clicking; https://l1nk.dev/NTHjB.
Amica Sacco Society Limited’s Loan Products
Find the Right Loan for Your Goals, below:
1. Salaried Loans
2. Group/Chama Loans
3. Farmers Loans
4. Corporate Loans
5. Business Loans
Amica Sacco Society Limited’s Insurance Products.
1. Theft and Burglary
2. All Risks Cover
3. Work Injury Benefits-WIBA
4. Domestic Package Insurance
5. Medical Insurance
6. Personal Accident Cover
7. Crop Insurance
8. Livestock Insurance
9. Motor Cycle Insurance
10. Motor Insurance
