Tower Sacco a large Rift Valley SACCO open to the public. Paying in from M-PESA, whether you are making a deposit, repaying a loan, or topping up your share capital, is a single Pay Bill flow. The one thing to get right is the account field: it is your member number.
The verified paybill
Tower Sacco uses paybill 885885 for M-PESA payments. The account is your member number, the one on your member statement or passbook. It is not your national ID, and not your phone number.
Deposit step by step
- Open the M-PESA app, or dial *334#.
- Select Lipa na M-PESA, then Pay Bill.
- Business number: 885885.
- Account: your Tower Sacco member number.
- Enter the amount.
- Enter your M-PESA PIN and confirm.
Keep the M-PESA SMS. The same paybill and member number handle deposits, loan repayments, and share contributions; the SACCO allocates the money according to your instructions or your standing order.
Confirm the paybill if a payment bounces
Deposit not reflecting on your statement
If M-PESA confirmed but your member statement has not updated, the money has usually reached the SACCO and is waiting to be posted, SACCO reconciliation is often same-day but not instant. Give it a few hours. If it still has not appeared, contact Tower Sacco member services with your 10-character M-PESA transaction code and your member number. Keep the SMS until it clears.
What it costs
Standard M-PESA paybill fees apply. Tower does not add a fee on top.
| If you pay | M-PESA fee | Total off your wallet |
|---|---|---|
| KES 500 | KES 5 | KES 505 |
| KES 1,000 | KES 10 | KES 1,010 |
| KES 5,000 | KES 34 | KES 5,034 |
| KES 20,000 | KES 62 | KES 20,062 |
Frequently asked questions
What is the Tower Sacco paybill number?
Tower Sacco uses paybill 885885. The account is your member number. SACCO paybills change occasionally, so confirm on your latest statement if a payment does not go through.
What account number do I use for Tower?
Your Tower Sacco member number, from your statement or passbook. Not your national ID and not your phone number.
Can I repay a Tower loan on the same paybill?
Yes. Paybill 885885 with your member number handles deposits, loan repayments, and share contributions. The SACCO allocates the money accordingly.
My Tower deposit is not on my statement. What do I do?
SACCO posting is usually same-day but not instant. Wait a few hours, then contact member services with your M-PESA transaction code and member number if it still has not appeared.
Resources
- The verified Tower paybill entry is at paybillke.com/paybill/tower-sacco.
- Comparing where to save? See the SACCO directory and how SACCO dividends work.