Mobile Banking
Manage your finances wherever life takes you. With the MSACCO App and USSD on MTN and Airtel, you can access your account, transfer funds, check your balance, and stay in control of your savings—all without visiting a branch.
Simple. Secure. Convenient.
- JOIN MSACCO
- Dial *165*6*3#
- Enter SACCO ID: Lyamu
- Choose option 1: Yes to proceed
- Choose option 6: Join
- Choose option 1: Confirm
- Enter Institution ID: Lyamu
- Enter your Lyamujungu account, adding 1 at the end
- Enter a recovery number (alternative phone)
- Enter & confirm a 5-digit MSACCO PIN
You're now on MSACCO!
- DEPOSIT
- Dial *165*6*3#
- Enter SACCO ID: Lyamu
- Choose option 1: Yes to proceed
- Choose option 1: Deposit
- Enter your MSACCO Account
- Enter the Amount
- Enter a Reason
- Confirm the account & name shown, choose 1: Confirm
- Dial *165# to approve, enter MTN Mobile Money PIN
Deposit Complete!
- WITHDRAW
- Dial *165*6*3#
- Enter SACCO ID: Lyamu
- Choose option 1: Yes to proceed
- Choose option 2: Withdraw
- Enter your MSACCO Account
- Enter the Amount
- Enter Reason
- Enter your MSACCO PIN to confirm
Withdraw Complete!
- JOIN MSACCO
- Dial *185*7*3*1#
- Choose option 6: Join
- Choose option 1: Confirm
- Enter Institution ID: 230240
- Enter your Lyamujungu account, adding 1 at the end
- Enter a recovery number (alternative phone)
- Enter & confirm a 5-digit MSACCO PIN
You're now on MSACCO!
- DEPOSIT
- Dial *185*7*3*1#
- Choose option 1: Deposit
- Enter your MSACCO Account
- Enter the Amount
- Enter a Reason
- Confirm the account & name shown, choose 1: Confirm
- Enter your Airtel Money PIN
Deposit Complete!
- WITHDRAW
- Dial *185*7*3*1#
- Choose option 2: Withdraw
- Enter your MSACCO Account
- Enter the Amount
- Enter Reason
- Enter your MSACCO PIN to confirm
Withdraw Complete!