United Nations Deposit-Taking SACCO (UN DT SACCO) is a top-tier financial cooperative in Kenya. Founded in 1975 by 131 United Nations employees, it has grown into a highly capitalized financial institution with an asset base exceeding Ksh 18 Billion and billions in member deposits.
Unlike many local SACCOs that historically focused on local civil servants or teachers, UN SACCO caters heavily to a specialized niche of international and domestic professionals working within global frameworks. It is fully licensed and regulated by the SACCO Societies Regulatory Authority (SASRA).
United Nations Sacco’s Quick Facts
| SACCO Official Name | United Nations Sacco |
| Primary Target Sector | International/NGO |
| Head Office | Nairobi |
| County | Nairobi |
| Postal Address | P.O. Box 30552-00100 |
| Regulatory Tier | Tier 1 |
| Total Assets (Ksh B) | 19.15 |
| Total Deposits (Ksh B) | 14.62 |
United Nations Sacco’s Key Information
| Feature | Details |
| Official Name | United Nations Deposit-Taking SACCO Society Limited |
| SASRA Status | Licensed Deposit-Taking SACCO (Tier 1 Niche) |
| Primary Core Target | UN Agency Staff, Diplomatic Missions, International NGOs |
| M-Banking USSD Code | *882# (QC Wallet Platform) |
| M-Pesa Paybill | 528700 (Account No: Your Member Number) |
| Head Office | UN SACCO Centre, UN Crescent, Gigiri, Nairobi |
Who Can Join United Nations Sacco’s ? (The Common Bond)
While historically strictly limited to direct UN personnel, the SACCO has progressively structured its common bond rules. Membership is open to:
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Current staff members of all United Nations Agencies globally and in Kenya.
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Permanent or contract staff of accredited Diplomatic Missions and approved International Organizations (e.g., embassies, global tech-hubs, or major relief agencies).
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Immediate family members of primary members (spouses and children).
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Permanent staff employed directly by UN DT SACCO.
United Nations Sacco’s Core Products & Services
UN SACCO provides highly competitive savings and credit options, notably bridging local financial operations with global currencies.
1. United Nations Sacco’s Unique Savings Ecosystem
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Dollar Savings Account: Allows international staff to save, build wealth, and mitigate local currency fluctuations by maintaining deposits natively in US Dollars (USD).
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BOSA Member Deposits: The foundational, non-withdrawable deposit pool that acts as the primary multiplier for high-value development loans.
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FOSA Savings & Fixed Deposits: High-yield transactional accounts offering flexible investment tenures for short-to-medium-term asset management.
2. United Nations Sacco’s Specialized Credit Facilities
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Development & Premier Loans: Large-scale project financing designed for long-term investments, such as commercial developments, real estate, or high-value wealth creation.
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Secured Asset & Plot Financing: Streamlined lending pathways to purchase land, homes, or vehicles, utilizing the asset itself or institutional guarantees as security.
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Seniors’ / Retiree Loans: Tailored facilities allowing retired international officials to securely access capital (up to Ksh 20 Million in structured limits) against their accrued benefits or fixed reserves.
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Instant Mobile Loans (via QC Wallet): Rapid, short-term emergency funding processed directly through the app or the updated
*882#USSD network within a 24-hour window.
United Nations Sacco’s Performance & Financial Health
UN DT SACCO is frequently cited as one of the highest-yielding cooperatives in Kenya regarding member returns. Historically, it has safely maintained premium payout tiers:
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Dividends on Share Capital: Averaging weighted returns of around 13% p.a.
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Interest on Rebates/Deposits: Consistently hovering near 10% p.a.
United Nations Sacco’s Official Contacts
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Physical Office: Located in the high-security zone of Gigiri at the UN SACCO Centre, UN Crescent, Nairobi.
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Customer Support Phone: +254 709 115 800
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Mobile App: QC Wallet (Available via Google Play Store and Apple App Store).
United Nations Sacco’s Frequently Asked Questions
Here is a comprehensive analysis of the Frequently Asked Questions (FAQs) regarding the United Nations Deposit-Taking SACCO (UN SACCO). Based in Gigiri, Nairobi, it is one of Kenya’s highly capitalized, tier-1 regulatory-compliant credit unions, operating globally to serve the international community.
1. United Nations Sacco’s Frequently Asked Questions on Membership & Registration
Who is eligible to join the UN SACCO?
Unlike most open-bond Kenyan SACCOs, the UN SACCO maintains a selectively closed bond. Membership is strictly open to:
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Staff members of United Nations Agencies worldwide.
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Staff of Diplomatic Missions and approved International Organizations in Kenya.
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Immediate family members of a primary member (Spouses and Children).
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Permanent employees of the UN SACCO itself.
What do I need to apply for United Nations Sacco membership?
To register, you must fill out an application (physically or via the online portal) and provide:
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A copy of your National ID card (or valid Passport for non-Kenyan citizens).
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A copy of your current Employment Contract, official Letter of Appointment, or recent pay slip.
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A copy of your KRA PIN Certificate (for Kenyan residents).
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One recent passport-size photograph.
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For Kin/Family additions: A copy of a Marriage Certificate/Affidavit (spouse) or Birth Certificate (children).
Can I choose my United Nations Sacco account currency?
Yes. UN SACCO uniquely allows members to operate accounts and savings in either Kenya Shillings (KES) or United States Dollars (USD) to cushion international staff from local currency fluctuations.
What is the statutory Share Capital requirement for United Nations Sacco Members?
Every member must hold a minimum amount of institutional Share Capital to qualify as a part-owner of the society. For continuing members, the minimum threshold requires accumulating and retaining at least KES 50,000 in Share Capital. Share capital is non-withdrawable but entirely transferable to another member if you exit.
2. United Nations Sacco’s Frequently Asked Questions on Savings & Deposits
What is the minimum United Nations Sacco’s monthly deposit contribution?
To keep your core Member Deposits (BOSA) account active, you must make a mandatory monthly contribution of at least KES 2,300 or USD $20.
How do FOSA and BOSA savings differ?
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BOSA (Back Office) Deposits: Non-withdrawable monthly contributions used strictly to build your loan-borrowing multiplier and act as collateral. They earn annual Interest on Deposits.
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FOSA (Front Office) Savings Account: Your transactional “bank account” within the SACCO. It handles everyday cash management, multi-currency wallets (KES & USD accounts), fixed deposits, and junior savings.
How long does it take to get a refund if I withdraw from United Nations Sacco ?
A standard 30-day notice is required to process and refund a member’s deposits upon formal resignation. However, if you require an expedited withdrawal within 48 hours, an immediate surrender fee of 1.05% of the deposits being withdrawn will apply.
3. United Nations Sacco’s Frequently Asked Questions on Loans and Credit Facilities
How much can I borrow, and what is the required saving period at United Nations Sacco?
Your borrowing capacity is strictly determined by your total accumulated deposits, your proven ability to repay, and the length of your active employment contract. Except for specific relocation/settling-down credit lines, you must be an active contributing member for at least three (3) months to qualify for a loan.
Do I need guarantors for a United Nations Sacco loan application?
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Yes: For standard Development, Normal, or Premier loans, you must be backed by 3 to 5 active members who have continuously contributed to the SACCO for at least 6 months.
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No: Guarantors are waived if you take a Secured Asset Loan, Plot Financing, or any credit facility completely contained within your own unencumbered deposits.
Can I hold multiple United Nations Sacco loans at the same time?
Yes. Members can run up to 3 concurrent loans simultaneously (e.g., 2 Normal Loans + 1 Loyalty/Premier Loan, or 1 Normal + 1 Premier + 1 Loyalty Loan).
What types of specialized loan packages are available at United Nations Sacco?
UN SACCO offers 18 distinct loan products, notably including Rental Property Loans (borrowing against rental yields), Plot Financing, Seniors’/Retiree Loans (up to KES 20M for retired staff), and short-term digital cash advances.
4. United Nations Sacco’s Frequently Asked Questions on Mobile and Online Banking (QC Wallet)
What is the official United Nations Sacco USSD code and M-Pesa Paybill number?
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USSD Code:
*882#(Upgraded from the old*605*5#platform) -
M-Pesa Paybill Number:
528700
How do I deposit money via M-Pesa to my United Nations Sacco Account?
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Open M-Pesa > Lipa na M-Pesa > Paybill.
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Enter Business Number:
528700. -
Enter your UN SACCO Member Number as the Account Number.
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Alternatively, dial
*882#, navigate to Deposit via M-Pesa, select your target account (FOSA, BOSA Deposits, or Share Capital), enter the amount, and authorize the STK push prompt.
What is the “QC Wallet” App?
It is the official UN SACCO mobile banking application available on the Google Play Store and Apple App Store. It allows global members to check balances, request statements, transfer funds internally, move money directly into M-Pesa mobile wallets, make cross-member transfers, and request Quick Cash mobile advances.
When does a United Nations Sacco account become dormant?
If an account records no transactions or mandatory deposit contributions over a continuous period of 6 months, it is classified as dormant, and operational restrictions are applied. Reactivating a dormant account incurs a standard tariff fee.
Is United Nations Sacco Registered by SASSRA?
Yes. The Sacco is registered by the SACCO Societies Regulatory Authority (SASRA) as a Deposit Taking Sacco.
What is United Nations Sacco’s Tier?
The Sacco is registered by the Sacco is registered by the SACCO Societies Regulatory Authority (SASRA) as a Tier 1 Sacco.
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