Stima Sacco
Deposit, repay loans, or pay shares at Stima Sacco.
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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 calculatorHow to pay Stima Sacco
M-Pesa
Pay via M-Pesa 823 002
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 823 002
- Enter Account (Membership Number): Your Stima 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 Stima Sacco member number.
Calculator preview
M-Pesa fees for Stima 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 Stima Sacco
Deposit, repay loans, or pay shares at Stima Sacco.
- Sector
- SACCO
- Official site
- stima-sacco.com
Frequently asked about Stima Sacco
What is Stima Sacco's paybill number?
Stima Sacco's M-Pesa paybill is 823002. Deposit, repay loans, or pay shares at Stima Sacco.
How do I pay Stima Sacco via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 823002, then your account (Your Stima Sacco member number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Stima Sacco?
Your Stima Sacco member number.
Can I pay Stima Sacco from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Stima Sacco's paybill 823 002. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Stima 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 Stima 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 Stima 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. Stima Sacco should also confirm receipt via their channels.
Further reading
Curated external sources we cite. Open in a new tab.
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Paybill displayed: 823 002 (mpesa paybill). How we verify.