Best Customer Care

The Sacco stands out because of its innovative products and services that suit the needs of customers. We all have dreams and to attain them we need partners we can walk with.We will walk with you through this journey. Our Membership is open to all:- Individuals, Micro and Small Businesses, Coorporates and Institutions ( Governmental and Non-Govermetal) and Groups/Chamas. Enjoy the very best of banking and investment services by joining us today

Our Services


Savings Services

We offer Savings Services through Personal Accounts, Institution and Business Accounts. Other Accounts are: - Chamas and Joint Accounts, Children Account, Holiday Savings Account and All Farm Produce(Tea, Coffee, Milk, Rice, Horticulture e.t.c) Accounts, Investment Accounts


Credit Services

Our Credit offering ranges from a wide range of products which include:- Development Loan, Emergency Loan, Crop Advance Loans, Salary Advances, Mortgage Loans, Asset Financing, Micro-Finance Loans This loans are offered on reducing balance with no hidden charges.


Other Banking Services

In addition to Savings and Credit We offer the following services:-  Insurance Agency, Investment Wings, Agency Services & Inua Jamii Payments, Mobile Banking Services, ATM -Visa Branded Sacco Link Cards, Benovelent Fund Scheme, Bankers and Ordinary Cheques and many more

Over 39 Years of Experience in the Industry

Bingwa was registered in 1984 as a Savings and Credit Co-operative Society with the objective of promoting tea farmers to save and borrow at low cost in order to meet the daily socio-economic needs.

Later, a common bond was open thus the society current membership of over 232,000 spread countrywide.

News And Events

Get In Touch

Office Address

Headoffice, Bingwa Sacco Building, Kerugoya  along Karatina-Kutus Rd

Phone Numbers

Business Hours

Monday to Friday: 8:30 AM to 4:00 PM
Saturdays: 8:30 AM to 12:00 PM

Holidays & Sundays:  Closed