— ABOUT US
Kenya's innovative
cooperative
Founded February 2015 in Nairobi, Mombo Sacco is an award-winning digital Savings and Credit Cooperative — purpose-built for Kenya's urban, tech-savvy generation.
— VISION, MISSION & PURPOSE
What we stand for
Vision
To be the trusted and innovative financial partner of choice, empowering individuals and families to achieve their dreams and aspirations.
Mission
Offering inclusive financial solutions for long-term prosperity.
Purpose
Making savings easy, engaging, and rewarding for every member — regardless of income or location.
— CORE VALUES
Principles we live by
Integrity
Transparency and honesty in every interaction — the foundation of member trust.
Inclusivity
Financial solutions accessible to everyone, regardless of income or background.
Innovation
Continuously improving through technology and creative thinking to serve members better.
Service Excellence
Outstanding support ensuring every member feels valued throughout their journey.
Empowerment
Financial education, resources and tools that enable members to achieve their goals.
Community
A cooperative family where individuals and businesses support and grow together.
Sustainability
Responsible resource management and long-term financial stability for the Sacco and all its members.
— GOVERNANCE
How we're structured
Democratic, transparent and member-driven — as every cooperative should be.
Annual General Meeting (AGM)
The ultimate decision-making body. All shareholder members vote, elect representatives, make proposals and shape the Sacco's strategic direction.
Management Committee
Elected by members at the AGM to oversee day-to-day operations and implement the Sacco's policies and strategic goals.
Supervisory Committee
Provides independent oversight and accountability — conducting audits and assessments to ensure management operates within regulations.
Sacco Manager
Hired by the Management Committee to run daily operations and serve as the liaison between leadership and staff.
— MEMBERSHIP
Who can join
Membership is open to individuals, groups and businesses — including Kenyans in the diaspora worldwide.
Download the Mombo App
Available on the Google Play Store and Apple App Store
Create an Account
Sign up using your personal details to start the membership application process.
Select Your Savings Plan
Choose from Flexible Savings or SME Biashara and complete the application within the app.
Pay Registration Fee
Pay the one-time non-refundable registration fee to receive your Mombo Sacco membership number.
Diaspora Members
Mombo Sacco is fully digital — Kenyans anywhere in the world can open accounts, save and access loans using the Mombo App, regardless of physical location.
— OUR JOURNEY
A decade of growth
February 2015 — Founded
Established in Nairobi with KSh 1M assets. Flexible Savings Account launched.
2019 — Tiered Savings
Flexible Savings upgraded to five tiers: Bronze, Silver, Gold, Platinum and Emerald.
2022 — SME Biashara Launch
Business-focused savings accounts for SMEs, Chamas and groups.
2023 — KSh 130M+ in Assets
Goal Savings Accounts launched. Assets exceed KSh 130M — 10,000x growth from founding.
2024 — MWallet Launch
Full digital wallet with split bills, gift sending, bulk payments and overdraft goes live.
2025 — Insurance & App Overhaul
Motor, medical and last expense insurance launched. Major Mombo App UI and feature update.
2030 Goal — KSh 1 Billion
Targeting KSh 1B asset base — cementing Mombo Sacco as Kenya's leading digital cooperative.
— REGULATION
Trusted and regulated
Mombo Sacco operates under the Back-Office Services Activity (BOSA) model and is regulated by the Office of the Commissioner for Co-operatives Development through the County Cooperatives Officer.
Because Mombo Sacco does not operate a Front Office Services Activity (FOSA), it is not regulated by SASRA. SASRA regulates deposit-taking Saccos. Member savings are additionally protected by APA insurance — one of Kenya's leading insurers.