Clear information
Ask for complete information in a language you understand: the service, requirements, charges and timing.
HELP
Your question.
A clearer answer.
Find what you need to know, or prepare a question for the SACCO.
9 questions
How do I become a member?
Prepare your questions and ask the SACCO to confirm identification, shares and contributions. Open “Prepare your visit” for a useful checklist.
What should I ask before saving?
Ask about account types, all fees, withdrawal conditions and any interest. Request written details.
How do I prepare to ask for a loan?
Write down the purpose, amount needed and expected repayment source. Ask about requirements and the full cost. The SACCO assesses and decides on applications.
Is my draft sent to the SACCO?
No. The draft is prepared here and saved on this device only if you choose. Download or print it. You can open an email, review it and send it yourself.
Can I check my account balance here?
This website provides information and preparation tools. It does not display accounts, receive money or process payments. Ask the SACCO for its approved channels.
I forgot my PIN or received a suspicious message.
Do not share your PIN, password or verification code. Avoid untrusted links. Contact the SACCO through a channel you have checked.
Where can I find fees and rates?
Approved Ubwiza tariffs are not published on this website. Request a dated copy from the SACCO. Calculator starting values are examples only.
I want to raise a complaint.
Write down what happened, the date and the resolution you want, without account secrets. Contact the SACCO and ask for an acknowledgement of your complaint.
How can I find a branch and opening hours?
Use the BNR-listed email to confirm an address and hours before travelling. Sector information on the Karongi page describes the district, not a branch directory.
No matching answer. Try another word or prepare your question.
PROTECT YOUR INFORMATION
Your PIN belongs to you.
Never put a PIN, password, verification code or ID copy in these drafts. This website does not ask you to pay or transfer money.
CONSUMER RIGHTS & KNOWLEDGE
Know more before you sign or send money.
Use this as a conversation checklist. BNR consumer-protection rules emphasise complete, clear information in a language the customer understands.
The full cost before deciding
For saving or borrowing, request a written view of all charges, how interest is calculated and the repayment schedule.
A clear route for questions or complaints
Record the question, date and resolution you want. Ask for an acknowledgement that your message was received.
Safe information and channels
Never share a PIN, verification code or ID copy. Verify numbers, addresses and channels before sending information.
Digital and in-person choices
Ask whether a service is available by phone, USSD, app or branch, and what each channel costs.
Confidence to choose
Match the service to your needs and means. Asking for information does not mean a loan will be approved.
BNR · U-SACCOs, 2021 (p. 7) ↗ · BNR · Consumer protection ↗ · BNR · Regulation 55/2022 ↗
Confirm current details with Ubwiza before deciding. This website does not receive payments or submit loan applications.