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Kingdom Sacco membership and benefits (Kenya 2026): how to join, fees, share capital

How to join Kingdom Sacco, the faith-based SASRA-licensed DT-SACCO founded by Life Reformation Church in 1999. App registration, no payslip and the real fees. Corrected 7 October 2026 from the SACCO's own published figures.

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by Reviewed by Michael Mwangi 9 min read Updated 7 October 2026Verified 07 Oct 2026

Who Kingdom Sacco is for

Kingdom Sacco is a faith-community roots, now general-public common bond, Nairobi metro DT-SACCO. Nairobi and Kiambu-anchored DT-SACCO per SASRA supervisory report. Verified on the SASRA register of Licensed Deposit-Taking SACCOs (sasra.go.ke/licensed-dt-saccos, accessed 26 August 2026).

Common bond and eligibility. Originally for faith-based groups in Kiambu and the wider Nairobi region. Common bond has since expanded and Kingdom Sacco now accepts general members across sectors.

What membership actually gets you

  • Ownership. Every member is a part-owner. You vote at the AGM (one member, one vote, regardless of share size) and can stand for the supervisory or credit committee.
  • Dividends on shares. Declared annually at the AGM. Top-tier SACCOs pay in the low-double-digit range historically; per-year declared rates for Kingdom Sacco are published in the AGM circular and member portal.
  • Interest on deposits (BOSA and FOSA savings). Interest is credited on qualifying savings balances at the end of the year. See share capital vs deposits explained.
  • Loan multiplier. Kenyan SACCOs typically lend up to 3x to 5x of your qualifying savings. Detail in the loans guide.
  • FOSA (Front Office) services. As a DT-SACCO, Kingdom Sacco operates a Front Office. This typically means a FOSA account you can deposit and withdraw from, and in most cases an ATM card, mobile menu and M-PESA paybill for contributions. See FOSA vs BOSA explained.
  • Deposit Guarantee Fund cover. Deposits are covered up to the ceiling set by the Deposit Guarantee Fund Board under section 55 of the SACCO Societies Act 2008. See deposit guarantee fund explained.

How to join Kingdom Sacco, step by step

  1. Confirm you fall within the common bond. Originally faith-community based. Common bond has since expanded to general public.
  2. Collect the paperwork. National ID (both sides), a passport-size photo and your KRA PIN, as PDFs under 2MB. Groups such as churches and schools also need their registration certificate. No payslip is required, including if you are self-employed or in the informal sector.
  3. Register in the app. Download the Kingdom Sacco app from Google Play or the App Store and complete registration with your national ID. There is no form to fill in. You can also walk into Empower House, Githurai 45, Thika Road.
  4. Pay the registration fee. KES 600 individual or KES 1,200 group, via its M-PESA paybill, using your ID number as the account number.
  5. Pay the share capital. KES 6,000, per Kingdom Sacco. Share capital is not the same thing as savings: it is your stake in the SACCO, it earns the annual dividend rather than interest, and it is withdrawable on 60 days notice rather than on demand. See share capital vs deposits explained.
  6. Set up a monthly contribution. Payroll check-off (if you are on a partner employer's payroll), standing order from a bank account, or the SACCO's M-PESA paybill (published on kingdomsacco.com).
  7. Get your member number. Save it. This is the account number you use for every contribution.
  8. Serve the qualifying savings period. Typically six months of consistent contributions before you can access most loan products.

Your rights as a member

The SACCO Societies Act 2008 and the SACCO Societies (Deposit Taking) Regulations 2010 spell out the core member protections:

  • Right to attend and vote at the AGM. One member, one vote, regardless of share size.
  • Right to the annual accounts. Audited financials should be circulated ahead of the AGM.
  • Right to a copy of the by-laws. On request.
  • Right to withdraw. Kingdom Sacco's share-capital withdrawal notice is 60 days. Across Kenyan SACCOs generally it runs 60 to 90 days, and a refund often depends on incoming members taking up the shares.
  • Right to complain to SASRA. If you believe the SACCO has breached the Act, you can lodge a complaint with SASRA on sasra.go.ke.

Watch-outs before you join

  • Share capital is not the same as deposits. Share capital is your ownership stake and is not covered by the Deposit Guarantee Fund. Deposits (in your FOSA and BOSA accounts) are.
  • Withdrawal notice. Kingdom Sacco requires 60 days notice to withdraw share capital. Two months is a long time if you need the money this week, so do not put your emergency fund into shares.
  • Guarantor risk. If you guarantee another member's loan and they default, the SACCO can attach your savings up to the guaranteed portion. Choose guarantor relationships carefully.
  • Sector concentration. A SACCO whose members are almost all in one sector or region is more exposed if that sector or region hits trouble. Read the annual report for the loan-book breakdown.

Sources

  1. SASRA register of Licensed Deposit-Taking SACCOs, sasra.go.ke/licensed-dt-saccos, accessed 26 August 2026. Kingdom Sacco appears on the 2026 gazetted list of 176 DT-SACCOs.
  2. SACCO Societies Act No. 14 of 2008 (as amended), particularly section 55 (Deposit Guarantee Fund) and the licensing provisions.
  3. SACCO Societies (Deposit Taking) Regulations 2010.
  4. Kingdom Sacco Society Limited, published FAQ, kingdomsacco.com/faq-about-saccos-in-kenya, last modified 1 April 2026, read 7 October 2026. Source of the 1999 founding by Life Reformation Church, the registration fees, the documents required, the no-payslip position, app registration, and the paybill with the ID number as the account for the joining fee.
  5. SASRA, SACCO Supervision Annual Report 2025, Appendix III, published 28 September 2026. Source of the KSh 2.44bn asset base and the rank of 79 of 179.
  6. Kingdom Sacco's business development desk, by email, 7 October 2026, writing to correct this cluster. Source of the KES 600 and 1,200 registration fees, the KES 6,000 share capital and the 60-day withdrawal notice. Their public FAQ still shows the older fees, so where the two disagree this page follows the SACCO and says so.