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Cosmopolitan Sacco Society Ltd

Cosmopolitan Sacco Membership

SACCO membership · Regulated by the SASRA

Cosmopolitan Sacco is a co-op you can join. It is licensed to take deposits. It offers savings, loans and mobile banking.

Hear when this changes

The details that matter for this kind of plan

Registration fee
Kshs 1,000
Minimum monthly contribution
Kshs 1,600 for groups; Kshs 1,800 for cash members; Kshs 2,300 for civil servants
Declared dividend (2025)
16.5% on share capital
Interest on deposits (2025)
12.05%
Share capital
Mandatory but amount not published
Notice period
Not published

How to open this

  • then KES 1,600 a month

What does it cost you?

There are no separate charges. What you pay each month is the price of the cover.

What if you stop paying?

If you stop paying your monthly contribution, ask the SACCO what happens to your shares and deposits before you join. The FAQ does not say.

What if you need the money early?

The SACCO does not publish a notice period or withdrawal terms. Ask how long it takes to get deposits back and what happens to your shares.

Who this suits

It could work for you if

You want to join a licensed SACCO. You want to know the registration fee and the smallest monthly payment.

Think twice if

You need to know the notice period before you join. You need to know the share capital amount. You need a guaranteed return rate.

What they tell you

  • What is the smallest amount you can start with?
    KES 1,600.
  • Are all their charges published?
    They list no separate charges. What you pay is the price.
  • Do they say who regulates them?
    Yes — the SASRA. That is who you complain to.

Talk to them

Compared with the others

There are 222 other plans of this kind on the board. See all 223 side by side — what each one leaves you with, and which of them will not say.

What has changed here

  • 12 September 2026
    • Somebody read the company's own material only a regulator's listing → researched
  • 12 September 2026
    • Taken off each payment you make is now KES 1,000, and was not published before
  • 12 September 2026
    • Smallest monthly payment is now KES 1,600, and was not published before
    • Admin charge is now KES 1,000, and was not published before

We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.

What the documents actually say

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

Where we got this