No more trips to the bank. With Safaricom’s Lipa na M‑PESA PayBill service, you can deposit money directly from your M‑PESA account to any bank in Kenya straight from your mobile phone. The process is fast, secure, and widely accepted across over 30 banks, each with a unique paybill number.
How to Deposit via M‑PESA to Bank (Step-by-Step)
- Open the M‑PESA menu on your Safaricom line
- Select Lipa na M‑PESA
- Choose PayBill
- Enter the bank’s PayBill number
- Input your bank account number as the account reference
- Enter the amount to send
- Confirm with your M‑PESA PIN
Your transaction will reflect in minutes, and both M‑PESA and your bank will confirm via SMS
Complete List: Bank PayBill Numbers in Kenya
Here’s a verified list of Kenyan banks and their corresponding M‑PESA PayBill numbers, sourced from reputable updates by Jitimu and Business This Day.
| Bank Name | PayBill Number |
|---|---|
| Absa Bank Kenya | 303030 |
| Access Bank Kenya | 862862 |
| ABC Bank (African Banking Corp.) | 111777 |
| Bank of Africa (BOA) | 972900 |
| Co-operative Bank of Kenya | 400200 |
| Credit Bank | 972700 |
| CFC Stanbic Bank | 600100 |
| Commercial Bank of Africa (CBA/NCBA) | 880100 |
| Consolidated Bank | 508400 |
| Diamond Trust Bank (DTB) | 516600 |
| Ecobank Kenya | 700201 |
| Equatorial Commercial Bank | 498100 |
| Equity Bank Kenya | 247247 |
| Family Bank | 222111 |
| Gulf African Bank | 985050 |
| Guardian Bank | 344500 |
| Guaranty Trust Bank (GTBank) Kenya | 910200 |
| Housing Finance Company Ltd | 100400 |
| I&M Bank Limited | 542542 |
| Jamii Bora Bank | 529901 |
| KCB Bank Kenya | 522522 |
| KWFT DTM | 101200 |
| NIC Bank Limited | 488488 |
| National Bank of Kenya | 547700 |
| Prime Bank Kenya | 982800 |
| Rafiki DTM | 802200 |
| Sidian Bank (formerly K-Rep Bank) | 111999 |
| SBM Bank Kenya | 552800 |
Always verify your bank’s paybill number via its official website or customer care before making a transaction.
Things to Know & Tips
- There is a small M‑PESA transaction fee applied for each deposit.
- Ensure accuracy when entering the account number to avoid delays or incorrect transfers.
- You’ll receive SMS confirmations from both M‑PESA and the receiving bank once processed.
- Using the official paybill number reduces delays, failed transactions, or funds being sent in error.
- This service works across all licensed commercial banks and many microfinance banks in Kenya.
Suggested Topics for Further Reading
- How to deposit money from M‑PESA to specific banks via USSD
- Typical M‑PESA transaction fees and exemptions
- How to reverse or query failed bank deposits via M‑PESA
- Comparison: M‑PESA Paybill versus bank USSD transfers
Conclusion
The ability to transfer money from M‑PESA directly into bank accounts using paybill numbers has transformed financial convenience in Kenya. Each bank has a unique paybill number, and with just a few taps, you can deposit money anywhere securely and instantly. Always double-check bank numbers and ensure accuracy to avoid errors. Should you need help depositing into a specific bank or require USSD bank codes, feel free to ask!
