“I’ve been a member since the Safaricom Sacco days and the transition to Qona has been smooth — no disruption to my savings or loan terms. The iConnect portal makes managing everything so much easier than the old process.”

“Even living abroad, I’ve been able to keep saving and building shares in Qona. The digital-first approach really works for diaspora members like me — I’ve never needed to visit the Westlands office in person.”

“Loan-to-savings ratio of up to 10x is generous and helped me finance a bigger purchase than I expected. The 3-month wait if you deposit a lump sum to boost your loan limit is worth knowing about beforehand, but overall a solid Sacco.”

“Paid off my loan early with a lump sum and appreciated that there was no penalty for fast-tracking repayment — not all lenders offer that flexibility. Dividends have also been consistent year over year.”

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Why did Safaricom Sacco rebrand to Qona?

Qona is a rebrand of Safaricom Sacco Ltd, reflecting the Sacco's growth, improved service delivery, and evolution into a more modern, member-focused institution. Core services, corporate governance, and values remain the same — the rebrand does not alter fees, benefits, or existing member agreements.

Where is Qona Sacco head office?

Qona Sacco's head office is on the 1st Floor, GoodMan Tower, Westlands, Nairobi, Kenya.

How do I join Qona Sacco?

Membership requires a one-off registration fee of KES 1,000, a minimum monthly contribution of KES 3,000, and a minimum shareholding of 400 shares. You'll receive an SMS notification with your member number within 48 hours of registering. Register via *483*901# or through the website.

Can chamas or investment groups join Qona Sacco?

No. Qona operates as a primary cooperative and does not onboard chamas or investment groups — membership is limited to eligible individuals and corporates within its common bond.

Can diaspora Kenyans join Qona Sacco?

Yes. Qona Sacco welcomes diaspora members, with seamless access through its digital channels, including the iConnect web portal, allowing Kenyans abroad to save, invest, and manage loans remotely.

What is Qona Sacco's loan-to-savings ratio?

Members can borrow up to 10 times their savings (a 1:10 ratio). Loans must be fully guaranteed, and members can pay off loans in a lump sum or multiple payments at any time without penalty for early repayment.