Your Account, Anytime, Anywhere
MSACCO is our mobile banking service, powered by Future Link Technologies. Deposit, withdraw, and stay on top of your account right from your phone, without ever leaving home or queuing at a branch.
- Deposit and withdraw using MTN or Airtel
- Instant SMS notifications on every transaction
- Works even on public holidays
Banking In The Palm Of Your Hand
MSACCO puts your Rwakyakibunya SACCO account within reach wherever you are. Here is what the service lets you do.
Deposit Money
Add money to your SACCO account straight from your MTN Mobile Money or Airtel Money wallet, any day of the week.
Withdraw Cash
Pull money out of your account to your mobile money line in moments, with no need to travel to a branch.
Get Notified
Receive an instant SMS for every transaction so you always know what is happening on your account.
Check Your Account
View your MSACCO number and account details whenever you need them, right from your handset.
Reset Your PIN
Forgot your SACCO PIN? Request a reset token to your recovery number and set a new one yourself.
App or USSD
Use the MSACCO smartphone app for a richer experience, or the simple USSD codes on any phone. The choice is yours.
Download The MSACCO App
For the smoothest experience, install the MSACCO app on your smartphone. After installing, open the app, enter your phone number, search for Rwakyakibunya SACCO, select it, and follow the steps to finish setting up.
Keep these handy. You will need them when registering on USSD.
How To Register For MSACCO
Choose your network below and follow the steps on any phone. You will need your SACCO account number and a recovery (second) phone number to hand.
Join on MTN
*165*6*3#- Dial *165*6*3#
- Enter SACCO ID: RWAKY
- At "Welcome to MSACCO", choose 1 to accept
- Select 6 to Join
- Select 1 to confirm
- Enter institution ID RWAKY
- Enter your SACCO account number
- Enter your recovery (2nd) phone number
- Enter a 5-digit MSACCO PIN
- Confirm your PIN
- Your MSACCO account number is sent to you by SMS
Join on Airtel
*185*7*3#- Dial *185*7*3#
- Choose 1 MSACCO
- Choose 6 Join
- Choose 1 to confirm
- Enter institution ID 1135373
- Enter your SACCO account number
- Enter your recovery (2nd) phone number
- Enter a 5-digit MSACCO PIN
- Confirm your PIN
- Your MSACCO account number is sent to you by SMS
How To Transact On MSACCO
Once you are registered, deposits, withdrawals, and account management are only a few steps away.
Deposit Money
Deposit on MTN
*165*6*3#- Dial *165*6*3#
- Enter SACCO ID: RWAKY
- At "Welcome to MSACCO", choose 1 to accept
- Choose Deposit
- Enter your MSACCO account number
- Enter the amount
- Select 1 to confirm
- Enter your Mobile Money PIN
Deposit on Airtel
*185*7*3#- Dial *185*7*3#
- Choose 1 MSACCO
- Choose 1 Deposit
- Enter your MSACCO account number
- Enter the amount
- Enter a reason
- Choose 1 to confirm
- Enter your Airtel Money PIN
Withdraw Money
Withdraw on MTN
*165*6*3#- Dial *165*6*3#
- Enter SACCO ID: RWAKY
- At "Welcome to MSACCO", choose 1 to accept
- Choose 2 Withdraw
- Enter your MSACCO account number
- Enter the amount
- Enter your SACCO PIN to confirm
Withdraw on Airtel
*185*7*3#- Dial *185*7*3#
- Choose 1 MSACCO
- Choose 2 Withdraw
- Enter your MSACCO account number
- Enter the amount
- Enter your SACCO PIN to confirm
Manage Your Account
Reset Your SACCO PIN
*165*6*3#- Dial *165*6*3#
- Enter SACCO ID: RWAKY
- At "Welcome to MSACCO", choose 1 to accept
- Choose 5 My Account
- Choose 1 Request token
- Enter your MSACCO account number
- A reset token is sent to your recovery number
View Your MSACCO Number
*165*6*3#- Dial *165*6*3#
- Enter SACCO ID: RWAKY
- At "Welcome to MSACCO", choose 1 to accept
- Choose 5 My Account
- Choose 6 View my MSACCO Number
- Your 8-digit MSACCO number is shown on screen
Need A Hand Getting Set Up?
Our team at any Rwakyakibunya SACCO branch is happy to walk you through registering and using MSACCO. Visit us or give us a call and we will get you started.
Contact Us