The UTS M-Sacco services are now available

Registration for M-Sacco applies to M-PESA registered Safaricom lines only (and FOSA accounts ie L01- or L02- )To register;

  1. Visit our downloads page. > www.universaltraders.co.ke/media-centre/downloads
  2. Download the form and fill all the details.
  3. Attach a copy of your National ID and send to marketing@universaltraders.co.ke
  4. Upon registration, you will receive a start-up text message
  5. Follow the prompts.

Services available include;

  1. Withdrawal.
  2. Balance enquiry
  3. Loan Repayment
  4. Loan status
  5. Mini statement
  6. Change Pin
  7. Deposit
  8. Borrow Upesi Loan
  9. Funds transfer among others


This is to notify all members that Universal Traders Sacco Society Limited has registered with Credit Reference Bureau (CRB) consequently non-performing loans (loans unpaid for 90 days) will be listed as provided under Section 18 of The Credit Reference Bureau Regulations 2013.
Members with non-performing loans are hereby notified to clear them or visit the Sacco office within 30 days to agree on acceptable repayment plans. Failure to comply will lead to listing of the defaulters.
Note that loans listed with CRB will remain listed for a period of 5 years after the loans are cleared and this will affect access to credit from other financial institutions.