Pamoja Savings Account

This is saving account tailored for SACCOS, VICOBA and Groups. The product is specifically designed to attract unbanked population that saves their money outside banking main stream including mattresses, MNOs, House hold vibubu etc. Pamoja saving product is designed to address security, convenience, affordability, reach ability and easy access to finance.


  • Multi-currency: TZS|USD|EURO|GBP
  • Initial Opening Balance- TZS. 20,000|FOREX 50
  • Minimum Operating Balance – TZS. 20,000|FOREX 50
  • Affordable transactional fees and Monthly fees


  • Facilitates easy Savings. 
  • Affordable Operating Balance.
  • Minimum Opening Balance.
  • Account can be operated as a group.
  • Account can also be operated through MNO number. 
  • Group members have visibility of their account balance through MNO number.


  • Signatories/ individual must be 18 years and above
  • Legal ID (NIDA ID/Voter’s ID/Driver’s License/Passport/Zanzibar National ID). 
  • VEO/WEO Letter (if using ID’s apart from National ID).
  • 2 passport size photos
  • Business License (Optional)
  • Certificate of Registration/Incorporation
  • TIN (Optional)
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