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

Spot Cash


In an effort to serve you better, we have also upgraded our Mobile Banking system to enable you to make deposits directly into your various SACCO accounts and this is through Spot Cash.
For deposits contributions go to pay bill 350050 then under account key in 0081#Shares or
Dial *645#, Key in your PIN and Select option 4 then choose the particular account you would like to deposit to.
The system will channel the funds to the respective Members deposit account.
For loan repayment, the account format is 0081#Loan#Loancode.
In case a member wants to make a normal loan repayment, the account format should be
The various loan codes are as follows.


Loan Product Loan Code
Salary Advance 01
Fosa loan 02
Farm Produce Loan 03
Premium loan 06
Salary in advance 07
Emergency -24 08
Okoa Advance 09
Dividends Advance 10
Premium Emergency 11
Asset Finance loan 12
Bima Loan 13
Mkopo Mashinani 14
Fosa flex 17
Normal loan 20
Emergency 12 21
School fees loan 22
Special loan 23
Preferential loan 24
Mapato Loan 25
Mkopo Advance 28
Mortgage loan 29
LPO loan 30
T loan 31

NOTE: In case the member does not have the loan specified or an error is made, the funds will be credited in the members savings account. Also, for a successful deposit the registered phone number must be used when transacting.

Tower Sacco Ltd