Umwalimu SACCO eKash Money Transfer Guide 2026 – Send Money to MTN MoMo, Airtel Money & Banks
Learn how to transfer money from your Umwalimu SACCO account to MTN Mobile Money, Airtel Money, or any bank account using eKash. Discover the transfer limit, charges, benefits, and step-by-step instructions.
Umwalimu SACCO Introduces eKash: Fast, Affordable and Secure Money Transfers
Digital
banking has become an essential part of everyday life in Rwanda. Whether you are paying school fees, sending money to family, purchasing the goods, or making business payments, having a reliable and affordable transfer service is important.
Umwalimu SACCO has introduced eKash, a convenient digital banking solution that allows members to transfer money directly from their SACCO accounts to MTN Mobile Money (MoMo), Airtel Money, and bank accounts across Rwanda.
According to the information shared by Umwalimu SACCO, members can now transfer up to RWF 10,000,000 in a single transaction at a flat fee of only RWF 20, making it one of the most affordable digital banking options available.
This guide explains everything members need to know about using the service safely and efficiently.
What is eKash?
eKash is a digital financial service designed to simplify banking transactions for Umwalimu SACCO members.
Instead of visiting a branch or waiting in long queues, members can use their mobile phones to send money anytime using a simple USSD code.
The platform focuses on three key values:
Instant transactions
Affordable service charges
Inclusive financial access
These features make eKash suitable for teachers, civil servants, entrepreneurs, students, and anyone who wants quick access to their funds.
Key Features of the New eKash Transfer Service
The new service comes with several impressive benefits.
1. Transfer Up to RWF 10 Million
Members can transfer amounts of up to:
RWF 10,000,000
This high transaction limit makes the service useful not only for personal use but also for businesses and institutions.
2. Very Low Transaction Fee
One of the biggest highlights is the transfer fee.
Instead of charging different rates depending on the amount sent, Umwalimu SACCO charges only:
Flat Fee: RWF 20
Whether sending a small amount or several million francs, the fee remains the same.
This makes eKash one of the most cost-effective money transfer options.
3. Send Money to Mobile Wallets
Members can transfer directly to:
MTN Mobile Money (MoMo)
Airtel Money
The recipient receives the money almost instantly after the transaction is completed.
4. Send Money to Other Banks
Besides mobile wallets, members can also transfer funds to accounts held in other banks operating in Rwanda.
This improves convenience for individuals and businesses that use different financial institutions.
Step-by-Step Guide to Transfer Money Using eKash
The process is simple and takes only a few minutes.
Step 1: Dial *175#
Open your phone's dial pad and dial:
*175#
This opens the Umwalimu SACCO mobile banking menu.
Step 2: Choose Option 3 – eKash
From the menu displayed, select:
3. eKash
This option allows you to initiate transfers.
Step 3: Enter the Recipient
You will be prompted to enter either:
Mobile Money phone number
Bank account number
Double-check the information before proceeding.
Step 4: Enter the Amount
Input the amount you want to transfer.
The service allows transfers up to:
RWF 10,000,000
Step 5: Enter Your PIN
To authorize the transaction, enter your confidential PIN.
Never share your PIN with anyone.
Step 6: Receive SMS Confirmation
Once the transaction has been processed successfully, you will receive an SMS confirming:
Amount transferred
Recipient
Date
Transaction reference
Keep the SMS for future reference.
Why This Service Matters
The introduction of eKash solves many challenges faced by SACCO members.
Previously, transferring money often required:
Visiting a branch
Waiting in queues
Completing paperwork
Spending extra transport money
Now, everything can be completed using a mobile phone.
Benefits of Using eKash
Saves Time
Transactions can be completed within minutes.
There is no need to travel to a branch.
Available Anytime
Members can access the service using their phones whenever the USSD service is available.
Affordable
A transfer fee of only RWF 20 helps members save money compared to other transfer methods.
Convenient
Whether sending money to family, paying suppliers, or transferring funds to your personal bank account, the process is simple.
Secure
Every transaction requires a personal PIN.
Members also receive SMS confirmations for every successful transaction.
Who Can Use eKash?
The service is designed for all eligible Umwalimu SACCO members, including:
Teachers
School administrators
Government employees
Business owners
Farmers
Parents
Students
Individual account holders
Anyone with an active Umwalimu SACCO account can benefit from the platform according to the institution's terms and conditions.
Practical Uses of eKash
Members can use the service for many daily financial needs.
These include:
Sending money to relatives
Paying school fees
Paying rent
Paying suppliers
Emergency financial support
Business transactions
Transferring savings
Sending money between personal accounts
Tips for Safe Mobile Banking
Although digital banking is convenient, users should always follow good security practices.
Protect Your PIN
Never disclose your PIN to anyone.
Verify Recipient Information
Always confirm the phone number or bank account before confirming the transfer.
Keep SMS Records
Save your confirmation messages until the recipient confirms receiving the money.
Beware of Fraud
Ignore calls or messages requesting your PIN or personal banking information.
Official staff should never ask for your confidential PIN.
Frequently Asked Questions (FAQs)
How much can I transfer?
You can transfer up to RWF 10,000,000 in one transaction, according to the information shared by Umwalimu SACCO.
How much is the transfer fee?
The advertised fee is a flat RWF 20.
Can I transfer money to MTN Mobile Money?
Yes.
Can I transfer to Airtel Money?
Yes.
Can I transfer to another bank?
Yes.
The service supports transfers to bank accounts in other banks.
How do I start the transaction?
Dial:
*175#
Then choose:
Option 3 – eKash
Will I receive confirmation?
Yes.
An SMS confirmation is sent after the transaction is completed successfully.
Why Digital Banking Is Growing in Rwanda
Rwanda continues to make significant progress in digital financial services. Mobile banking and electronic payments have become an important part of everyday life, helping individuals and businesses complete transactions quickly and conveniently.
Services like eKash support this transformation by making financial services more accessible, reducing the need for physical visits to banking halls, and encouraging secure electronic payments. As more people embrace digital solutions, platforms that combine affordability, simplicity, and security can contribute to greater financial inclusion across the country.
Final Thoughts
Umwalimu SACCO's eKash service provides members with a fast, convenient, and budget-friendly way to move money from their SACCO accounts to mobile money wallets or bank accounts. With a generous transfer limit of RWF 10,000,000 and a flat transaction fee of only RWF 20, it offers excellent value for members who need reliable digital banking services.
By simply dialing *175#, selecting Option 3 – eKash, entering the recipient's details, the amount, and confirming with a secure PIN, users can complete transactions within minutes and receive an SMS confirmation for peace of mind.
As always, remember to keep your PIN confidential, verify recipient details carefully, and retain your transaction confirmation messages. With responsible use, eKash can make managing personal and business finances easier while supporting Rwanda's growing digital economy.
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