Savings Accounts

A. Non-Withdrawable Savings accounts

B. Withdrawable Savings accounts

C. Term Deposits


A. Non-Withdrawable Savings accounts

B. Withdrawable Savings accounts

C. Term Deposits


Mpawa Insurance Agency is fully owned by Stima DT Sacco Society Limited. The Agency was licensed under the Insurance Act on 20th May 2019 and offers all classes
of insurance, both life and non-life including medical products.

Mortgage facilities

A. KMRC Mortgage

B. Makaazi Poa is a Micro Mortgage loan

Islamic Banking

Some of the modes of Islamic banking/finance include: Mudarabah (profit-sharing and loss-bearing) • Musharaka (joint venture) • Murabahah (cost-plus)

remittance options


  • Customer downloads app pesadirect or visits
  • After installing the app, enter the amount to Send and click “continue”
  • Click “Sign Up” or login if you had previously registered on
  • Sign up as a new user
  • Select Receive Method as “Bank or Sacco Deposit”. Click “Add new Bank or Sacco”
  • Select Stima Sacco from the list
  • Enter your Stima Sacco Account Number 802*******00, and click “Add Bank or Sacco”
  • Add your method of payment (Debit Card preferred)
  • Review order information, and if OK, click “confirm”
  • Your Transaction is Complete! You may download the receipt for your records


Bank details to use

  • Account name: Stima Sacco Society
  • Account number: 01120069062600
  • Bank: Cooperative Bank
  • Branch: Stima Plaza Branch
  • Swift Code: KCOOKENA
  • Branch Code: 11035


Members with mpesa access can send directly using the Paybill options below.

Deposit using Mpesa

  • You need to be an M-PESA registered customer
  • Go to M-PESA on your phone menu
  • Select Payment Services/ Lipa na M-Pesa
  • Select Pay Bill Enter 823244

For Monthly Deposit, enter 802xxxxxxx00, where xxxxxxx is your member number.

For shares Capital, enter 800xxxxxxx00, where xxxxxxx is your Member number.

For Deposit into Prime a/c enter 801xxxxxxx00, where xxxxxxx is your member number.

NB: Your membership number ought to be seven digits.

  • Enter the amount you wish to pay
  • Enter your M-PESA PIN, confirm details are correct and press OK