Conditions of use

The “Sacco” refers to Metropolitan National Sacco Ltd” “M-Metro-Cash”   refers  to  the Mobile banking solution service.
“Branch”   means   a  branch   of Metropolitan National Sacco Ltd. “Business Day’ means a day on which banks are normally open for ordinary business in  Kenya excluding Saturdays, Sundays and gazette public holidays.

“Customer   instruction” means any request or instruction from the M-Metro-Cash  customer to the Sacco.

“PIN”  means  any  confidential password, code or number normally 4 digits which may be used to access the M-Metro-Cash services.

“Transaction Fees” these are the M-Metro-Cash transaction charges “24 Hr service hotline” refers to the telephone  number  that  will  be
provided  for  M-Metro-Cash customers in case of any queries

related to M-Metro-Cash services. “Subscriber”  means  a  customer who subscribes to use M-Metro- Cash Service.

General Conditions Joint Account

Account held jointly by two or more  persons   whose   mandate is “Any to sign” accounts which require more than one signatory will
not be issued with M-Metro-Cash Service.

Use  of Personal  Identification Number (PIN)

  1. a) M-Metro-Cash subscriber shall receive an SMS informing them of their registration and PIN
  2. b) The subscriber shall be required to change the PIN before using the

M-Metro-Cash Services

  1. c) The subscriber shall exercise due care to ensure the secrecy of the PIN at all times and prevent use of the PIN by  any  third   party
    lost/stolen sim Card registered for M-Metro-Cash service
  2. a) If the subscribers loses his/her sim card line registered with M-Metro-Cash, he/she must notify the Sacco immediately to block M-Metro-Cash service until the sim card is replaced.
  3. b) The subscriber shall be liable in respect of any  transactions/ instructions affecting his/her Sacco account that is given with a valid
  1. c) If a report of loss or theft of sim card registered for M-Metro-Cash service is communicated by someone other than the subscriber, Sacco shall not be held liable of any losses arising therefrom.

Forgotten Pin

If a PIN is forgotten, the subscriber is required to contact the Sacco to request for a new PIN.

Cancellation,   Stoppage  of M-Metro-Cash Service.

  1. a) The subscriber has the right to cancel or unsubscribe for M-Metro-Cash
  2. b) Payments done by means of M-Metro-Cash service are
  3. c) In case of a problem, the Sacco may at any time cancel/stop the service with notice or assigning any reason and without incurring any liability to the subscriber until a solution is found.


The Sacco shall levy charges for use of this service and shall notify the subscriber for all ATM transactions and  any  other  transaction (s) exceeding Kshs. 5,000 in line with the terms and conditions of use of this facility.

Acts that do not bind either Party

Neither party shall be liable for failure or delay in the performance of  its obligations under this agreement to the extent that such
failure or delay is caused by matters beyond  that  party’s  reasonable control including but not limited to network delays, destruction arising out of war,        rebellion,  civilian commotion, strikes, lockouts and or other   acts   or  orders   of  any government department, council or other of constituted body. Notice of
these circumstances shall be givento the other party  as soon as practical. For so long as performance of those obligation is suspended, the other party may similarly suspend performance of it’s obligation.


These terms and conditions may be amended at any time by notice from the  Sacco   to  subscriber.   The subscriber will be informed of such amendments by reasonable mode of communication.  Any   such amendments shall be deemed to be effective  and  binding  upon  the subscriber receiving such information.


These terms and conditions shall be governed and construed under the laws of the Republic of Kenya.