Savings SACCO
Manage member savings, contributions and withdrawals without loan or investment tools.
For your members
Their SACCO account, on their phone.
Give members a way to see their own account, make payments and follow up with the SACCO wherever they are.
- See savings or investment balances, statements and upcoming payments.
- Pay contributions, fines and loan instalments through mobile money, SwApp or card.
- Apply for loans, request withdrawals and respond to guarantor invitations.
- Follow requests and decisions for their own membership, even when they belong to more than one SACCO.
How members get access
- Ask your SACCO to enable mobile access and link your SwApp account to your membership.
- Install the SwApp Android app from Google Play and sign in.
- Open Business and select your SACCO to view your account and available services.
Your SACCO controls access. View-only members can read their account; self-service members can also make payments and requests. Loan services appear only where the SACCO offers loans.
For staff and committees
Run the SACCO from one set of records.
Use the web platform to manage day-to-day operations and review the activity behind each member’s account.
- Member records and savings
- Keep member profiles, savings products, contributions and statements together. Follow mandatory savings, fines and withdrawals against the right member account.
- Loans and repayments
- Follow applications from guarantor and collateral checks through approval and repayment. See repayment schedules, outstanding balances and arrears.
- Investments and ownership
- Track investment funds, member capital, fund units and equity shares separately, with portfolio valuations and income distributions for participating members.
- Accounts and reconciliation
- Connect member transactions to ledger entries, expenses, bank reconciliation and period closes, with reports for the treasurer and committee.
- Approvals and accountability
- Give staff and committee members the access they need. Keep approval decisions and activity history, with eligible reviewers able to act on requests in the app.
See the SACCO staff workspace
Four operating models
Match the software to your SACCO.
Choose the services your SACCO offers today, with a supported upgrade path as it grows.
Savings and Loans SACCO
Add loan applications, guarantors, repayments and arrears management to your savings operations.
Investment SACCO
Manage pooled member capital, investment funds and distributions without member lending. Member savings can be enabled separately.
Multipurpose SACCO
Combine investment and lending operations, with member savings enabled where your SACCO needs them.
Setup and migration
Bring your records and your members with you.
Our team works with your SACCO to prepare its records and introduce staff and members to the system.
- Agree your operating model, savings or loan products, and approval roles.
- Import and review member records, opening balances, loans and investments before activation.
- Onboard staff and link member accounts for mobile access.
How pricing works
- Subscription
- Quoted around your active members, selected services, users and support needs.
- Setup and migration
- Scoped after reviewing the volume and quality of your existing member and financial records.
- Payment fees
- Mobile money and card collection charges are separate from the software subscription and shown during payment.
Common questions
Before you get started.
Can members access their SACCO account through the app?
Yes. Your SACCO links your SwApp account to your membership and enables mobile access. You can then open Business in the app and select your SACCO. View-only access lets you read your account; self-service access also enables payments and requests for the services your SACCO offers.
Can members pay contributions or loan repayments from the app?
Members with self-service access can pay contributions, fines and loan instalments through mobile money, SwApp or card. Successful payments are recorded against the selected member account. Members can also submit proof of a payment made outside SwApp for review.
Can a member see other members’ accounts?
Member access is limited to the member’s own account in each SACCO. Staff and eligible committee reviewers receive separate permissions for administration, accounting or approval decisions.
Does every SACCO have to offer loans?
No. Choose a Savings or Investment SACCO if you do not offer member lending. Loan tools are available in the Savings and Loans and Multipurpose models. Members see services that match their SACCO’s setup and access level.
Can an existing SACCO migrate from Excel or another system?
Yes. SwApp supports a planned migration of member records and opening financial positions. The team reviews your source records, agrees the import scope and checks opening balances with you before the SACCO is activated.
How is SwApp SACCO pricing calculated?
The quote considers active member count, selected services, staff access, migration effort and support. Payment collection fees are separate. A demo helps establish the setup and subscription that fit your SACCO.
See SwApp with your SACCO in mind.
Walk through staff operations and member app access with our team, and discuss the setup that fits your SACCO.