Pay Watu Credit via M-PESA 2026: paybill 650880 steps

Watu Credit specialises in motorcycle and tuk-tuk financing and finances a large share of new boda bodas in Kenya. Every financed bike carries a GPS tracker that can immobilise it if payments fall behind, so a rider's repayment is often also an unlock request. The account field is your National ID.

The verified paybill

Watu is paybill 650880. The account is your National ID number (your Watu agreement number also works on some accounts, but the ID is the reliable one).

Pay Watu step by step

Open the M-PESA app, or dial *334#.
Select Lipa na M-PESA, then Pay Bill.
Business number: 650880.
Account: your National ID number.
Enter the instalment amount.
Enter your M-PESA PIN and confirm.

Keep the M-PESA SMS.

Bike still immobilised after paying

Instalment not credited

Watu credits weekly instalments within about an hour. If longer, screenshot the M-PESA SMS and contact Watu via in-app chat or 0729 444 444. The standard manual fix takes about 2 hours in business hours.

What it costs

Watu adds no fee on top of the M-PESA tariff.

If you pay	M-PESA fee	Total off your wallet
KES 500	KES 5	KES 505
KES 1,500	KES 13	KES 1,513
KES 5,000	KES 34	KES 5,034

Frequently asked questions

What is the Watu Credit paybill number?

Watu is paybill 650880. The account is your National ID number.

How long does Watu take to unlock a bike after paying?

During business hours, within about 2 hours. If it is still immobilised after that, call 0729 444 444 with your M-PESA code and bike registration.

What account do I use for Watu?

Your National ID number. Your Watu agreement number also works on some accounts.

My Watu instalment has not been credited. What do I do?

Watu credits within about an hour. If longer, contact Watu via in-app chat or 0729 444 444 with the M-PESA SMS.

Resources

Watu paybill 650880, the verified directory entry, is at paybillke.com/paybill/watu-credit.
See what happens when you default on Watu and the Watu seven-day repossession window.