Every SACCO. Every saving.
One open platform.
OpenSACCO lets microfinance organisations manage their members — and lets members see their savings, loans and net worth across every SACCO from a single portal. Free to join. Open by design.
- Tugende SACCO 62%
- Boda Savers 38%
Your whole financial picture — across every SACCO you belong to — in one view.
Open banking, at the microfinance level.
Organisations plug in to run everything — members, savings, loans, approvals and accounts — in one place. Members get a single, secure portal to see their money across every SACCO they belong to. We don’t hold your funds; your SACCO does. We make them visible, manageable and connected.
Plug in
Your SACCO connects in minutes, for free.
See everything
Members view savings, loans and net worth across all their SACCOs.
Stay secure
Your money stays with your SACCO; access stays with you.
Built equally for SACCOs and the people they serve.
Run your whole organisation in one place — for free.
- Onboard and manage members, roles and approvals.
- Track savings schemes, interest, loans and repayments.
- Configurable, multi-step approval workflows with a full audit trail.
- Built-in accounting: accounts, expenses, invoices, payments.
One clear view of your money — across every SACCO.
- See your savings, balances and net worth in one portal.
- Track loans, repayments and the people you guarantee.
- Deposit by mobile money or bank transfer.
- Join any open SACCO on the platform, free forever.
SACCOs plug in. Members get one portal. Everything connects.
Two SACCOs, each holding their own accounts, connect into OpenSACCO — and a member sees one combined net worth.
Never holds funds.
SACCOs plug in
Organisations join OpenSACCO and set up members, savings schemes and loan products.
Members join
People sign up and join any open SACCO — or several.
Everything connects
A member in two SACCOs sees combined savings, loans and net worth from one login.
You stay in control
OpenSACCO never holds your money — your SACCO does. We make it visible and manageable.
Everything a SACCO runs on — and everything a member needs to see.
Your money stays with your SACCO. Always.
Your SACCO holds your accounts and your money — OpenSACCO never does. We provide secure, controlled access so members see their own finances and SACCOs manage theirs.
- Role-based permissions — members see their own finances; SACCOs manage theirs.
- A full audit trail behind every decision and every edit.
- OpenSACCO is a platform, not a bank — we never take custody of funds.
Run your SACCO in one place — for free.
Members, savings, loans, approvals and accounts. Everything your organisation needs, plugged in within minutes.
A guided wizard gets you running.
Create your admin login, describe your SACCO, set up how members save, invite your people and choose a plan. Start free; upgrade any time.
Members, savings, loans & accounts — one ledger.
- Members & roles — onboard members, assign treasurer / chairperson / member, activate or deactivate.
- Savings & interest — define schemes, set rates, post interest automatically.
- Loans & approvals — configure loan types, run multi-step approvals, track repayments and collateral.
- Audit & control — every change proposed, approved and logged.
Past 20 members? Premium scales with you.
Unlimited members, mobile-money deposits (MTN Mobile Money & Airtel Money) and bank transfers, advanced reporting, custom workflows and priority support — UGX 5,000 per user / month.
Your money, across every SACCO, in one place.
Join any open SACCO and see your savings, loans and net worth from a single, secure portal — free forever.
Simple pricing. Genuinely free.
Free for individuals and for SACCOs up to 20 members. Beyond that, Premium is UGX 5,000 per user / month — and unlocks mobile-money deposits.
- Free forever for individuals to join
- Up to 20 members per SACCO
- Savings, loans, approvals & accounting
- Standard support
- Everything in Free, with unlimited members
- Mobile-money & bank deposits (MTN MoMo & Airtel Money)
- Advanced reporting & custom workflows
- Priority support
Individuals: always free. SACCOs: free to run for up to 20 members — Premium is UGX 5,000 per user / month once you pass 20, and unlocks mobile-money deposits.
A platform for a stronger saving culture.
OpenSACCO is an initiative of the OPENSACCO non-profit. Our mission is simple: help more people save well, see their whole financial picture, and reach loans and services across the SACCOs they trust — openly, securely and for free.
Questions, answered.
Bring your SACCO — or your savings — into one open view.
Free to join. Open by design. Your money stays with your SACCO.
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