Harambee Sacco paybill number 525 200
⚠️ SACCO paybills change occasionally. Always confirm with your SACCO's member services or check your latest member statement before sending money. If the paybill below doesn't work, contact the SACCO directly. Deposit or repay loans at Harambee Sacco.
Verified with caveat on 14 May 2026, see notes belowhow we verify
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Use the M-Pesa fees calculator to see the exact 2026 cost, in KES or your home currency if you're paying from abroad.
Open calculatorAccount number for Harambee Sacco
- Format
- Membership number
- What to type
- Your Harambee Sacco member number.
- Common mistake
- Typing the date you joined or your account name: neither resolves to a unique member record.
Harambee Sacco payment not working? Top fixes
Common failure modes when paying Harambee Sacco via M-PESA, with the first fix to try. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
SACCO deposit cleared M-PESA but is not reflected in your member statement.
SACCO M-PESA reconciliation runs daily, not in real time. Allow 24 hours. If still missing, email or visit the SACCO with the M-PESA code and your member number. Some SACCOs require deposits to be flagged as either share capital or savings; the wrong tag delays reflection.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
M-PESA paybill cost
What does paying Harambee Sacco cost you?
For KES 2,500 to Harambee Sacco (paybill 525200), you pay KES 33 on top (total KES 2,533 debited from M-PESA). The fee is set by Safaricom, not by the paybill.
Result
Fee
KES 20
Total cost
KES 2,520
Free for transactions up to KES 100.
Some paybills (e.g., government services on eCitizen) are zero-rated, Safaricom waives the customer fee. Confirm with the receiving entity.
Fees are typically lower than Send Money for the same amount.
Updated for 2026 Safaricom tariffs. Verify on safaricom.co.ke before sending large amounts.
How to pay Harambee Sacco
M-Pesa
Pay via M-Pesa 525 200
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 525 200
- Enter Account (Membership Number): Your Harambee Sacco member number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Membership Number: Your Harambee Sacco member number.
M-PESA cost to pay Harambee Sacco (2026 Safaricom tariff)
Total customer fee when paying paybill 525200 from M-PESA at common amounts. Fees are the standard Safaricom paybill bracket; some government services (eCitizen, KRA, NHIF/SHA) are zero-rated and these fees may be waived.
| If you pay Harambee Sacco | M-PESA fee | Total off your M-PESA |
|---|---|---|
| KES 200 | KES 5 | KES 205 |
| KES 500 | KES 5 | KES 505 |
| KES 1,000 | KES 10 | KES 1,010 |
| KES 2,500 | KES 20 | KES 2,520 |
| KES 10,000 | KES 48 | KES 10,048 |
| KES 50,000 | KES 67 | KES 50,067 |
Free for amounts up to KES 100. Harambee Sacco does not charge its own fee on top of the M-PESA tariff; what you see is what you pay.
See full M-PESA fee bands, limits, and the 20% excise duty explained for every amount up to KES 250,000.
Harambee Sacco payment not working? Top fixes
Common failure modes when paying Harambee Sacco via M-PESA, with the first fix to try. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
SACCO deposit cleared M-PESA but is not reflected in your member statement.
SACCO M-PESA reconciliation runs daily, not in real time. Allow 24 hours. If still missing, email or visit the SACCO with the M-PESA code and your member number. Some SACCOs require deposits to be flagged as either share capital or savings; the wrong tag delays reflection.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for Harambee Sacco
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | , |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About Harambee Sacco
⚠️ SACCO paybills change occasionally. Always confirm with your SACCO's member services or check your latest member statement before sending money. If the paybill below doesn't work, contact the SACCO directly. Deposit or repay loans at Harambee Sacco.
- Sector
- SACCO
- Official site
- harambeesacco.com
Frequently asked about Harambee Sacco
What is Harambee Sacco's paybill number?
Harambee Sacco's M-Pesa paybill is 525200. ⚠️ SACCO paybills change occasionally. Always confirm with your SACCO's member services or check your latest member statement before sending money. If the paybill below doesn't work, contact the SACCO directly. Deposit or repay loans at Harambee Sacco.
How do I pay Harambee Sacco via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 525200, then your account (Your Harambee Sacco member number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Harambee Sacco?
Your Harambee Sacco member number.
Can I pay Harambee Sacco from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Harambee Sacco's paybill 525 200. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Harambee Sacco?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
What if I pay the wrong amount or use the wrong paybill?
Contact Harambee Sacco support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal, though success isn't guaranteed.
How do I confirm my payment to Harambee Sacco went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code, it's your proof of payment. Harambee Sacco should also confirm receipt via their channels.
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Paybill displayed: 525 200 (mpesa paybill). How we verify.