Ditch the Branch.
Embrace Your Financial Future.
Mastering Digital Solutions for a Future of Possibilities
At Kishabya SAACO, our commitment goes beyond conventional solutions; we are on a quest to master the intricacies of digital excellence.
We put you first
We're committed to your financial success, offering award-winning customer service
Security is our priority
Your money is safe with us. We use industry-leading security measures to protect your financial information
Finance at your fingertips
Experience a seamless banking experience with our cutting-edge mobile app
We speak your language
We believe financial knowledge is key. We offer educational resources and personalized guidance


Membership Registration Requirements
Join our community and enjoy the benefits of being a member
Required Documents
- Valid National ID or Passport
- Proof of residence (utility bill not older than 3 months)
- Two passport-sized photographs
- Tax Identification Number (TIN)
- Completed membership application form
Financial Requirements
- Registration Fee:
UGX 25,000 (one-time, non-refundable)
- Minimum Share Capital:
UGX 100,000 (minimum 10 shares at UGX 10,000 each)
- Minimum Monthly Savings:
UGX 50,000 (can be increased based on membership category)
Our Saving Products
Choose the saving scheme that aligns with your financial goals
MERCHANT ACCOUNT
Flexible savings for individuals & groups
Features
- Unlimited deposits and withdraws
- Minimum operating balance
- Attracts monthly service fees
Benefits
- No withdraw charges
- Flexible deposit
- Accessibility to credit
- Attractive interest rates
- Quick and professional services
KISHASAVE ACCOUNT
Linked savings with benefits
Features
- Linked with KISHASAVE Account
- Minimum deposit: 5,000 UGX
- Flexible withdraws
- Minimum year-end balance: 10,000 UGX
Benefits
- Free account opening
- Bi-annually attractive interest
- No monthly service fees
- Build lump sum savings
FIXED DEPOSIT ACCOUNT
Earn attractive interest
Features
- Encourages long-term savings
- Minimum amount: 100,000 UGX
- Linked with KISHASAVE account
Benefits
- Flexible withdraw options
- Attractive interest rates
- Can be used as loan security
- Guaranteed interest at maturity
- Free account opening
Ready to Join Our Community?
Take the first step towards financial freedom and become a member today
Frequently Asked Questions
Offer different plans or highlight free features.