Cosmopolitan Sacco Paybill Number 973 100 (How to Make Payments via Mpesa) 

Learn how to make payments via Mpesa using Cosmopolitan Sacco Paybill Number 973 100. Discover the history, services, and contact details of Cosmopolitan Sacco.

Nov 1, 2023 - 17:18
Nov 1, 2023 - 17:18
Cosmopolitan Sacco Paybill Number 973 100 (How to Make Payments via Mpesa) 
Cosmopolitan Sacco Paybill Number 973 100 (How to Make Payments via Mpesa) 

In Kenya, convenience and accessibility are ideal to stay successful in your business. When managing your finances, especially with organizations like Cosmopolitan Sacco, making payments should be a hassle-free experience. This article will walk you through everything you need about Cosmopolitan Sacco Paybill Number 973 100 and how to make payments via Mpesa.

Who is Cosmopolitan Sacco?

Before delving into the specifics of payments, it's essential to understand the organization you're dealing with. Cosmopolitan Sacco has a rich history dating back to 1977 when it was initially known as Nakuru Teachers Sacco CS/2675. Over the years, it has grown and rebranded to accommodate members from various sectors. With 34,000 members, four branches, three satellite offices, and eight agent outlets, Sacco boasts an impressive asset base of 9.6 billion. It is also regulated by SASRA (Sacco Society Regulatory Authority), ensuring it operates as a reliable financial institution.

Mobile Banking Services

To cater to the evolving needs of its members, Cosmopolitan Sacco offers convenient mobile banking services through platforms like the M-Cosmo app, *882#, and *645#. These platforms enable members to transact remotely using their mobile phones. To access these services, you must register for M-banking by filling out the application form and submitting it to the nearest branch. Once registered, you can enjoy a range of services, including:

  • Transaction Services
    • Withdraw Money (M-PESA/ATM/Agent)
    • Buy Airtime
    • Pay Bills (Electricity, Water, etc.)
    • Funds Transfer to SACCO Account
    • Funds Transfer to Bank Account
    • QR Transactions
  • Account Services
    • Account Balance
    • Get Detailed Account Statement
    • Change PIN
  • Loans
    • Check Loan Limit
    • Apply for Loan
    • Loan Balance
    • Get a Detailed Loan Statement
    • My Loan Guarantors: Get to know the members who have guaranteed your loans
    • Loans Guaranteed: Get to know the members you have guaranteed loans for

How to Use Cosmopolitan Sacco Paybill Number 973 100

One of the most convenient aspects of Cosmopolitan Sacco is its Paybill Number 973 100. This allows members to make deposits and repay loans with ease. Here's how to use it:

  1. Go to the Mpesa Menu on your mobile phone.
  2. Select "Pay Bill" from your M-PESA menu.
  3. Enter Cosmopolitan Sacco Paybill Number 973 100.
  4. Enter your Fosa account number.
  5. Specify the amount you wish to pay.
  6. Enter your M-PESA PIN.
  7. Confirm that all details are correct and press OK.
  8. You will receive a confirmation message from Safaricom.

Cosmopolitan Sacco Loan Products

Cosmopolitan Sacco offers a range of loan products to meet the financial needs of its members. These include:

  1. Development Loan
  2. Emergency Loan
  3. Education Loan
  4. Special Loan
  5. Makaribisho Loan
  6. Premium Loan (Grant)
  7. Okoa Jahazi Loan
  8. Boresha Loan
  9. Fanikisha Loan (Top-Up)

Additionally, FOSA (Financially Organized Saving & Credit) products and services are available:

  1. Salary Advance
  2. Salary In-Advance / Pensioners Salary In-Advance
  3. Pensioners Salary In-Advance
  4. Class B Members Loans
  5. Chama Loans

Savings and More

Cosmopolitan Sacco encourages members to save with various savings products, including savings accounts, fixed deposit accounts, holiday accounts, children's accounts, and Christmas accounts.

M-Sacco Services

For added convenience, Cosmopolitan Sacco offers M-Sacco services through *882# and *645#. These mobile platforms allow members to transact from the comfort of their homes or workplaces. Services include:

  • Withdrawing money from M-PESA or ATM.
  • Buying airtime.
  • Paying bills like water and electricity.
  • Transferring funds to Sacco and bank accounts.

How to Activate the M-Cosmo Mobile App

To use the M-Cosmo mobile app, follow these steps:

  1. Dial *882# on your mobile phone.
  2. Enter your mobile banking PIN.
  3. Select 'My account.'
  4. Choose 'Mobile app.'
  5. Select 'ACTIVATE Mobile app.'
  6. Confirm with 'YES.'
  7. Wait for an SMS with the mobile app activation code.
  8. Enter the code and press 'ACTIVATE.'

Cosmopolitan Sacco Contacts

For any inquiries about Cosmopolitan Sacco Paybill Number 973 100 or other services, you can contact them through the following channels:

  • The Chief Executive Officer
    • Cosmopolitan Sacco
    • P.O Box 1931, Nakuru
    • Telephone: 051/2212415/6
    • Mobile: 0722-388616
    • Email: [email protected]
  • Branch Managers:
    • Naivasha Branch: Mobile 0700-470339
    • Bahati Branch: Mobile 0700-470342
    • Molo Branch: Mobile 0716-861224
    • Narok Branch: Mobile 0717-546502

You can also visit their website at for more information.

READ ALSO: Biashara Sacco Paybill Number 400 300(Make Payments via Mpesa)


In this article, we've explored everything you need to know about Cosmopolitan Sacco Paybill Number 973 100 and how to make payments via Mpesa. We've also learned about the history, values, and services offered by Cosmopolitan Sacco. With its commitment to convenience, transparency, and member satisfaction, Cosmopolitan Sacco stands as a reliable financial partner for its 34,000 members and the community at large. So, whether you're looking to make payments or explore savings and loan opportunities, Cosmopolitan Sacco has you covered.

Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.