MOBILE BANKING SERVICE (USSD & Mobile App)
Further to its digital transformation agenda, in 2019, Umwalimu SACCO introduced Mobile Banking on its service menu. From then, the Cooperative’s members were able to use their mobile phone devices to receive or transfer money to another person via MoMo or any other bank account via a USSD Code (*175#). To enable this, we connect the member’s telephone number and his/her individual account.
Then, in 2021, Umwalimu SACCO introduced the Mobile App to increase convenience and help members access their accounts via their smart mobile phones.
Members can download Umwalimu SACCO Mobile Banking App on Apple Store or Google Store, then follow the prompts.
This mobile banking service (USSD & App) help Umwalimu SACCO members to access the cooperative’s banking services, anytime, anywhere, 24 hours / 7 days.
Services accessed via mobile banking and App:
- Deposits: Via Mobile Money;
- Withdrawals: Via Mobile Money;
- Payments: Fund transfer (internal & external);
- Utility payments: Water, Electricity, MTN -Airtime, TV subscriptions;
- Account inquiries: Balance & Mini statements;
- Loans: Access Credit line & Credit status;
- SMS Alert: After each transaction done on the member’s account
Requirements to register for USACCO Mobile Banking Service
- Having opened a Free Saving Account with Umwalimu SACCO,
- Fill the mobile banking registration form,
- Copy of the legal identification (ID or Passport).
Steps for using Umwalimu SACCO Mobile Banking USSD (*175#):
1. Dial *175# +Enter,
- Enter your pin,
- You will see a dashboard showing different services including:
1) My Account,
2) Utilities,
3) Payments,
4) Loans,
5) MTN Mobile Money,
6) eKash,
7) Requests,
8)Profile.
- Proceed with the service you need among the above-mentioned services, and follow prompts.
Steps for using Umwalimu SACCO Mobile App:
- Download USACCO App from your phone’s Apple Store or Google Store,
- Register App by dialing *175#, press 7 then 2,
- Enter into the App the verification code sent via SMS,
- Login into the app, by entering your mobile banking pin,
- Please enter OTP sent via SMS and press verify, then you will see a dashboard showing balance, Mini Statement, Full statements, loans, payments, MoMo, and Utilities,
- Then, proceed with the service you need among the above-mentioned services, and follow prompts.
With Mobile Banking, Your Phone is Your Account.
INTERNET BANKING
Umwalimu SACCO Internet Banking is an electronic payment system that allows members to perform a variety of financial transactions through the website link (https://internet.umwalimuSACCO.rw) without having to go anywhere.
Umwalimu SACCO internet Banking was launched in 2022, and from then, members no longer need to bring Payment Orders (POs) or cheques to Umwalimu SACCO branches, as the ‘Internet Banking’ service enables them to pay contractors directly from their workplace.
- Benefits
- All transactions needed (single or multiple transfers) are done online in few seconds;
- It helps school members to pay staff salaries in any financial institution;
- Members easily pay bills online to anyone, anywhere;
- It helps to move funds easily between members’ bank accounts;
- The member can change the password at any time for security purposes.
- Requirements for Internet Banking registration
- Being a member of Umwalimu SACCO;
- Fill and sign the Internet Banking registration form;
- The account must be active;
- The registered mobile phone must be correct and active.
N.B: After registration, the member receives a username and password via his/her mobile phone. The password must be changed immediately.
- Steps for using Umwalimu SACCO Internet Banking
- Login through this link https://internet.umwalimuSACCO.rw,
- Enter username and password sent to your mobile phone,
- Please enter OTP sent via SMS and press OTP validation, then you will see Umwalimu SACCO Internet Banking dashboard,
- Select the service to perform from the list below:
- Checking account balance: This gives you the advantage of knowing how much money you have on the account before making any payment,
- Bank statement: The member can download the account statement online either in Excel or PDF,
- Change password: Users can change their passwords for more security at any time,
- Approval history: Users can view all approved transactions and print payment proofs;
- External single transfer: Transfer of money from Umwalimu SACCO accounts to one beneficiary whose account is in another financial institution;
- External multiple transfer: Transfer of money from Umwalimu SACCO accounts to more than one beneficiary whose accounts are in other financial institutions;
- Internal single transfer: Transfer of money from Umwalimu SACCO accounts to one beneficiary whose account is in Umwalimu SACCO;
- Internal multiple transfer: Transfer of money from Umwalimu SACCO accounts to more than one beneficiary whose accounts are in Umwalimu SACCO.
- Follow prompts.
- Steps for each transfer
- External single transfer initiation:
- Click on “external single transfer”,
- Click on “add transfer”,
- Select the beneficiary’s bank,
- Fill in the beneficiary names, account, amount, and description,
- Click on “validate the transfer”.
- External Single Transfer Approval:
- Click on “external single approval”,
- Click on “approval” and “get approval form”,
- Select “approval status” to approve or “reject the transaction”,
- Fill in the approval form with comments,
- Click on “submit and get a receipt”.
- External multiple transfer initiation:
- Click on “external multiple transfer”,
- Click on “get format” and fill and save it on your computer,
- Click on “get bank code” to be filled in the format above,
- Choose file saved on your computer,
- Click on “upload file”,
- Click on “view details” to check the transfer details (it possible to edit when there is an error),
- Click on “validate”.
- External multiple transfer approval:
- Click on “external multiple approval”,
- Click on “view details”,
- Click on “approve and get approval form”,
- Select “approval status” to approve or reject the transaction,
- Fill in your comments,
- Click on “submit” and get the payment slip.
- Internal single transfer initiation
- Click on “Internal single transfer”,
- Click on “add transfer”,
- Enter member’s account,
- Click on “search”,
- Fill in the amount and description,
- Select whether it is a salary, prime, or others, ….
- Then click on “submit and get the payment slip”,
- Internal single transfer approval
- Click on “internal single approval”,
- Click on “approve” to get approval form,
- Fill in description and select whether to approve or reject,
- Then click on “submit and get the payment slip”
- Internal multiple transfers initiation
- Click on “Internal multiple transfers”,
- Click on “get format” to download the excel sheet,
- Fill in the beneficiaries’ account names, amount and description,
- Select whether it is salary, prime, or others,
- Select the excel file then click on “Open”,
- Click on “Upload”, view details to verify the transaction,
- Click on “validate”.
- Internal multiple transfer approval
- Click on “external multiple approval”,
- Click on “view details” to check transactions,
- Fill in description and select whether to approve or reject,
- Then click on “submit” and get the payment slip.
PAY BILLS ONLINE TO ANYONE, ANYWHERE WITH OUR INTERNET BANKING. IT IS RELIABLE, EASY, AND FREE OF CHARGE.
E-TAX PAYMENT SYSTEM
Dear Esteemed Member,
You no longer need to queue at the Umwalimu SACCO branch to pay your taxes!
Use the E-Tax Payment service provided by the Rwanda Revenue Authority (RRA) in collaboration with Umwalimu SACCO, and pay your taxes from the comfort of your home or office.
Features and benefits
- Allow taxpayers to pay taxes wherever they are using USACCO and RRA Online Portals,
- Customers will pay taxes easily without making any transport expenses towards USACCO branches,
- It saves time and minimize risks such as penalties of delayed tax payments.
Requirements for E-Tax Payment registration at USACCO branch
- Must be a member of Umwalimu SACCO,
- Fill and sign E-Tax Payment registration form for commitment by the competent authority,
- Initiator logs into the system, enters the TIN and click [Verify TIN],
- Initiator enters the Account and click [Check Account] to view if ID, Phone and Status are correct,
- Initiator to ensure all Account Details appearing after checking account matches the signed form,
- Initiator clicks [Generate OTP] to send to the client a One-Time-Password for security,
- Initiator asks the client to provide the received OTP and enters it in the OTP text field,
- Initiator clicks [Submit E-Tax registration] to initiate the request,
- Approver logs into the system, enters TIN and Account and click [Verify TIN],
- Approver ensure that all details and information are compliant,
- Approver clicks [Approve E-Tax] to approve the request or [Reject E-Tax] to reject the request, if required;
- Wait a few seconds, Umwalimu SACCO sends request to RRA; then displays response message from RRA,
- Customer is notified via SMS for that his request is successfully processed.
Steps for E-Tax payments
- The customer makes necessary declarations onto the RRA portal website: https://etax.rra.gov.rw/
- Customer clicks onto the [PAY HERE] button,
- Customer selects [UMWALIMU – SACCO] on the bank-list,
- Customer selects account and initiates payment,
- RRA sends the request to Umwalimu SACCO,
- Umwalimu SACCO checks for Account Balance and if Account is Active,
- Umwalimu SACCO sends to a customer, a one-time password (OTP) for Authorization,
- Customer enters received OTP to Authorize / Approve the payment request,
- Umwalimu SACCO executes the Payment at Bank Level and responds to RRA for acknowledgement,
- Customer is Notified for Amount Paid and RRA Reference of the Tax declaration document,
- Customer can thereafter, generate the Payment Receipt from RRA Portal.
The E-Tax Payment System was introduced in 2022 by RRA in partnership with Umwalimu SACCO.
It is fast and reliable!
URUBUTO E-PAYMENT SYSTEM
“In 2020, Umwalimu SACCO partnered with BK TechHouse to use UrubutoPay for enabling school fee payments via mobile phones.
With UrubutoPay, parents of children in private schools can pay tuition fees by dialing *775# on their mobile phones. The school’s accountants will instantly receive a notification confirming the payment, preventing the need for parents to bring payment proof to the school.
To make this possible, Umwalimu SACCO has integrated its core banking system with the UrubutoPay system, allowing payments to be instantly transferred to the school’s account at Umwalimu SACCO.
Private schools wishing to process their school fees through Umwalimu SACCO must inform parents of the school’s account details at Umwalimu SACCO, along with the student’s code, so that payments can be made by dialing *775# on a mobile device.
Parents can also pay school fees through UrubutoPay at Umwalimu SACCO counters at all branches of Umwalimu SACCO.
Features and benefits
- It is used to pay school fees via counters or mobile phone,
- The parent no longer takes the physical pay slip to the school,
- The school banking with Umwalimu SACCO receives real time reconciled and detailed reports of all the school fees payments,
- This application has the ability to remind parents with pending balances on a due date via bulk SMS,
- Each parent receives personalized SMS for their child and the exact balance they owe the school,
- The school has no need to ask for the bank statements or bank slip to validate that a student has paid his/her school fees.
Steps to pay school fees via Urubuto E-Payment System:
Parents or students can pay via MTN or Airtel Mobile Money:
- Dial *775#,
- Select URUBUTO / School fees,
- Select language,
- Select Service – e.g: School fees,
- Enter Student Code,
- Select Pay or Check Fees,
- Select Term,
- Select Payment Purpose,
- Enter amount,
- Confirm the Payment (yes),
- Accept a Direct Payment Notification, or
- Dial *182#,
- Press 7, then enter the Pin to finalize payment.
Parents or students can also pay school fees at the nearest Umwalimu SACCO branch:
- Fill out the form for the Bank payment with your student code as details and leave bank account field empty;
- Tell the branch office Cashier that you are paying school fees via URUBUTO E-Payment.
Use Urubuto E – Payment system to save your time and transport money!
SCHOOL DATA MANAGEMENT SYSTEM (SDMS)
Dear Parent or Guardian of children enrolled in public schools,
You no longer need to wait in line at the Umwalimu SACCO branch to pay school fees.
Simply use the SDMS service by dialing *182*3*10*1*student code# and follow the prompts.
What is SDMS?
SDMS is a system developed in 2023 by the Government of Rwanda to help schools manage students’ data and finances.
With SDMS, parents of children in public schools can pay tuition fees via their mobile phones by dialing *182*3*10*1* student code #,, and then following the prompts. The school’s accountants will instantly receive a notification confirming the payment, eliminating the need for parents to provide payment proof at the school.
To enable this, Umwalimu SACCO has integrated its core banking system with the SDMS platform, allowing payments to be immediately transferred to the school’s account at Umwalimu SACCO.
To facilitate this process, public schools are required to provide parents with the school’s Umwalimu SACCO account details and the student code, so that school fees can be paid using the code mentioned above.
Parents can also pay school fees through SDMS at any Umwalimu SACCO branch counter.
Features and benefits
- It is used to pay school fees via counters or mobile phone,
- The parent no longer takes the physical pay slip to the school,
- The school banking with Umwalimu SACCO receives real time reconciled and detailed reports of all the school fees payments,
- The school has no need to ask for the bank statements or bank slip to validate that a student has paid his/her school fees.
For more information on steps to follow in paying school fees via SDMS, read the user-guide here.
ONLINE LOAN APPLICATION PLATFORM
Dear members,
Loan application in Umwalimu SACCO has become easier than ever before!
Use our online loan application platform to apply for any loan product you need and track the status of your loan application.
What is the Online Loan Application Platform?
The Umwalimu SACCO Online Loan Application is an online platform designed to streamline and improve the loan application process for Umwalimu SACCO members.
It allows members to submit loan applications online, track the status of their applications, and upload required documents. It also facilitates automated eligibility checks based on predefined criteria.
Steps to follow when applying for loans
Step 1: Click on the Register Button to start the registration process,
Step 2: Complete the registration form to confirm your status as an UMWALIMU SACCO member,
Step 3: Click the Register button,
Step 4: Fill out the OTP received on the mobile phone registered,
Step 5: Click the verify button,
Step 6: Choose the password and confirm it,
Step 7: Click the create password button,
Step 8: Now, login with the created credentials, (phone number and the password),
Step 9: Click on the Login button to continue,
Step 10: On self-onboarding, a client should fill out the form accordingly and accurately,
Step 11: Then after click on the Onboard button,
Step 12: Click on the Add New Button to add Collaterals,
Step 13: Fill out the form by adding collateral details
Step 14: Click the save changes button
Step 15: Upload the collateral attachment needed.
Step 16: Click on the Next button to continue.
Step 17: Upload the other relevant attachments.
Step 18: Click the Submit Button to finalize the application.
Go digital and save time.
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What is eKash?
The Rwanda National Digital Payment System (RNDPS), known as eKash, is a system that facilitates instant money transfers across different Financial Service Providers.
eKash was developed by RSwitch, and Umwalimu SACCO integrated it in March 2025.
Why use eKash?
- Low-cost charges: Members will be able to send up to 2 million Rwandan Francs in a single transaction at a very low cost,
- Speedy Transactions: Transfers completed within seconds,
- Digital Transaction Freedom: Send and receive money seamlessly, regardless of your digital payment service provider,
- Real-time Updates: Stay informed with SMS alerts and transaction popups,
- Security Guaranteed: Rest assured knowing your money is protected with recipient validation and rapid reversals in case of errors.
Services accessed via eKash:
- Fund transfers & Payments: Send money to or receive money from any financial institution or Tech company which joined eKash,
- SMS Alerts: Members will get SMS alerts and transaction popups when a transaction is done using eKash on their account.
Requirements to register for eKash in Umwalimu SACCO
- Having opened a Free Saving Account with Umwalimu SACCO
- Being registered in Umwalimu SACCO mobile banking service
Steps for using eKash via Umwalimu SACCO Mobile Banking USSD (*175#):
· Dial *175# on your mobile phone +Enter,
- Enter your pin,
- You will see a dashboard showing different services including eKash, then click 6 (eKash),
- Choose eKash operation among the following:
1.Registration,
2.Register Alias / Proxy,
3.send eKash,
4.Opt out,
00.Back
- The follow prompts depending on the operation you selected.
eKash is for me and you!