Ol'kalou FOSA Building, Ol'kalou Nyahururu road
+254 723-836421

Spot Cash

Spotcash money anytime, anywhere!

Out on the farm, safari, meeting, etc? Run out of cash? Busy but need to transact urgently? Relax…..No need to travel all they way to your branch… Your mobile phone… Your bank. Tower Sacco now offers you comprehensive Banking services via your phone in partnership with spotcash, Money anytime, anywhere!

Our Services

  • Deposit money
  • withdraw money
  • Check balances
  • Share contribution
  • Dividend Payment
  • Buy airtime

(low cash, banking, deposit, withdrawal, make loan repayments and other mobile financial services at the comfort of your phone)

The Procedure


  • Go to the Main menu
  • Select option 3 – withdraw to MPESA
  • Please enter the amount
  • Please confirm the withdrawal by selecting
  1. Accept
  2. Decline

You will receive a confirmation message for your transaction.


  • Go to Mpesa
  • Lipa na Mpesa
  • Select Paybill
  • Insert business Number (which is organizational code (ie) 0081)
  • Enter ammount
  • Enter Mpesa Pin Number
  • Press ok

The money will be transferred from your Mpesa Account to your FOSA account.