Chama Account

One out of five people are in a chama in Kenya. We provide investment and resource management through chama account for organized groups intending to save and invest together with a common goal.


  • Free chama training
  • Free book keeping software.
  • No monthly charges
  • Free bankers cheque
  • Cheque book
  • Competitive interest rates
  • The groups not registered as limited companies are assisted with the registration process
  • The groups can access loans up to 100% for common project.

Rafiki Sacco Account

This account allows SACCOs to keep track of their funds. It is ideal for SACCOs, co-operatives, and farmer groups.


  • No monthly ledger fees.
  • Competitive interest rates
  • Cheque book available
  • Easy and convenient contribution channels for instance M-pesa platform.


  • Certified copy of Extract of minutes of the AGM/Central Management Committee/Board in agreement to open an account
  • Copy of SACCO’s by-laws
  • Copy of registration certificate
  • Certified Copy of ID/passport of Authorized signatories or office bearers
  • One Colored passport size photograph for each signatory
  • KRA PIN for the SACCO
  • Dully filled account opening form.

Sacco Reserve Deposit Account

This provides societies with an avenue to save and comply with the new legislation requiring all societies to put aside 20% of the surplus before payment of dividend and interest in liquid cash.


  • Competitive interest on deposits based on the level of balances as below.
  • No monthly charges
  • Assigned relationship manager
  • Access to a cheque book
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