Regulated by UMRA Ibanda, Uganda
Bisheshe SACCO
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MSACCO. Your financial freedom, in your hands.

Save, withdraw, check your balance and repay your loan straight from your phone. MSACCO works on both MTN and Airtel, any time of the day.

MTN *165*6*3# Airtel *185*7*3# Sacco ID: Msacco
What you can do

A full branch, on any phone

No smartphone or internet required. MSACCO runs on a simple menu that works on every handset.

Deposit & Save

Move money from your mobile wallet into your SACCO savings in seconds.

Withdraw

Pull funds from your account to your phone whenever you need them.

Balance & Statement

Check your balance and request a mini statement at any time.

Repay Loans

Make loan repayments on time, directly from your phone.

Getting started

How to register for MSACCO on MTN

Follow these simple steps once to link your phone to your Bisheshe SACCO account.

1

Dial the MSACCO code

On your MTN line, dial *165*6*3#. On Airtel, dial *185*7*3#.

2

Enter the SACCO name

When asked for the SACCO ID, enter Msacco so the system finds our society.

3

MSACCO name

Welcome to MSACCO - Press 1 to accept.

4

Accept the terms and choose Join

Read and accept the MSACCO terms, then select the Join option to begin registration.

5

Enter the SACCO ID

Enter institution SACCO ID: Eg BISHE

6

Enter your account details

Provide your SACCO account number and a recovery phone number as guided by the menu.

7

Set and confirm your PIN

Create a 5 digit secret PIN and confirm it. Keep this PIN private at all times.

8

Save your MSACCO number

You will receive an MSACCO number. Save it in your phonebook for future transactions.

Everyday transactions

How to deposit, withdraw and check your balance

Dial the MSACCO code, select the menu, choose Deposit, enter your MSACCO number and the amount, then enter a reason such as Save or Loan repayment. Confirm the details and enter your PIN to complete the transaction.
Dial the MSACCO code and select Withdraw, Balance or Mini statement from the menu. Enter your MSACCO number, the amount where required, confirm and enter your PIN.
From the My Account menu you can request a token, reset your PIN, change your PIN, change your recovery number and view your recovery number. Never share your PIN with anyone, including SACCO staff.
Beyond your phone

Agent banking and mobile money

When you prefer to transact in person, our agents and mobile money channels keep your SACCO close to home.

Agent banking

Deposit and withdraw at authorised agents near you, without travelling to a branch.

Mobile money

Link your MTN or Airtel mobile money for convenient transfers to and from your account.

Keep your account safe

Bisheshe SACCO will never call or message you to ask for your PIN or password. Keep your PIN secret, and report any suspicious message to your branch immediately.

Need help registering?

Our team is glad to walk you through MSACCO step by step. Call us or visit any branch and we will set you up.

Contact support