Start with the purpose
Accounts and membership
Ask about identification, the membership share, joining fees, deposits and access to account records.
Borrowing
Explain the purpose and your repayment plan. Ask about documents, total costs, security and the review process.
A group or business
Ask about group or business documents, authorised representatives and how transactions are approved.
A complaint or account question
Describe what happened, the date and the outcome you seek. Retain evidence securely and ask for a tracking reference.
These are preparation questions. The SACCO confirms required documents and how to provide them; do not submit an ID copy on this website.

Your visit checklist
After the conversation
- Read the documents provided and ask about unclear points.
- Note the next action, the timing discussed and the contact channel.
- Keep copies and dates; follow up an enquiry or complaint using the reference provided.
BNR’s consumer booklet explains complaint follow-up and escalation when an issue remains unresolved. See section 11 on printed page 31.
Read BNR’s consumer guide (PDF) ↗
