Memberships
AMICA Membership is open to the following:
Amica Sacco welcomes individuals from all sectors, boasting a membership base exceeding 200,000.
Individuals from any sector – Open to everyone—professionals, farmers, and entrepreneurs alike.
Must be a Kenyan adult – Age requirement: 18 years or older.
Required documentation – A National ID (or passport) and a KRA PIN certificate are mandatory.
Monthly contributions & share capital – Saving with us is simple and flexible. While it’s not a must, we encourage you to start making regular monthly contributions and grow your share capital once you join. There’s no fee to save—it’s completely free, and a great way to build your financial foundation over time. Every contribution brings you closer to your goals.
AMICA Membership Benefits
Amica Sacco Members enjoy numerous benefits, including:
- Free account opening
- Free financial advice
- Opportunities to save, invest, and grow wealth
- No ledger fees
- No minimum balance requirements
- 24/7 account accessibility
- Access to SME funding and startup business loans
- Eligibility for asset financing
- Personalized services
- Access to various loan products with flexible repayment terms
Download AMICA Membership Application Form Below.
How to Join Amica Sacco
Amica Sacco has continued to attract many members from a cross-economic field. Acquiring membership is not complicated as long as you are 18 years old and above. The membership process entails the basic procedures for joining any other Sacco in Kenya. Some of them include:
a) Fill in the Membership Form
Though the format and the details required in a specific membership may differ depending on a certain Sacco, the purpose remains the same. It is meant to capture your basic information such as full official name, physical address, email address, gender, and phone number, among other essential information. The form is usually available for download from the Saccos online platform.
b) Attach your original National Identification Card
Your official national identification card is a key document necessary when committing to serious engagement like joining a Sacco. Hence it will be required by Amica Sacco to help validate your membership. Alternatively, you can use your official passport if you have one.
c) Attach a Copy of the KRA Pin Certificate
To avoid tax issues with the Kenya Revenue Authority, attach a copy of your KRA Pin certificate. The certificate is downloadable from the KRA portal. It will facilitate filing your tax dues and obligations as shall be required by the law.
d) Pay the Registration Fee
After filling out the application form and attaching all the relevant documents, you will pay a membership fee as the Sacco requires. It is a one-time non-refundable amount that assists in processing your membership, besides acting as a commitment fee.
e) Make the Monthly Contributions
The beauty of joining a Sacco lies in the ability to save and access affordable and friendly loan products. Therefore, you will be submitting a monthly payment of a certain amount to accumulate so that you can acquire loans.
The loans are cheaper and better than the ones from banks. The more you save, the higher loans you qualify to get to finance your development projects.
Monthly savings are refundable when you intend to terminate your membership with the Sacco by giving written notice. The management will take 60 days to process your withdrawals, and you will receive your money.
f) Contribute the Share Capital
Share capital is a one-time payment that earns you equal rights to contribute to the management of a Sacco as a shareholder. You become a shareholder or a co-owner of the Sacco, besides earning annual dividends at an interest rate.
Unlike monthly savings, which are refundable upon request when quitting a Sacco, share capital is non-refundable. However, you can transfer your shares to another Sacco member or sell it off to a potential buyer at a given fee.