I&M Bank Kenya: paybill, USSD and what it really charges
The complete I&M hub: paybill 542542 with the 14-digit account number, *458# step by step, Mpesa Xpress, and what I&M actually charges in each direction.
About I&M Bank Kenya
I&M Bank Kenya is part of I&M Group PLC, which operates in Kenya, Tanzania, Rwanda, Uganda and Mauritius, and is regulated in Kenya by the Central Bank of Kenya. Two things drive nearly all I&M searching: the paybill and the USSD code. Both are in the first screen here. The third thing, which almost nobody publishes properly, is what the transfers actually cost, and that has its own page built from I&M's live tariff rather than from a press release.
Every I&M guide
M-PESA to I&M (542542)
M-PESA to I&M Bank 2026: Paybill 542542, 14-Digit Account
I&M USSD *458#
I&M Bank USSD *458# (2026): Mobile Banking Guide
What I&M actually charges
I&M Bank Charges 2026: M-PESA, Paybill and Till Fees
I&M to M-PESA
I&M Bank to M-PESA 2026: Three Ways to Send Money Out
Mpesa Xpress (STK push)
I&M Mpesa Xpress 2026: Deposit Without the Paybill Menu
Lipa na I&M (merchants)
Lipa na I&M Bank 2026: Collect M-PESA Into Your Account
I&M for crypto P2P
Best Bank for Binance P2P in Kenya: Why Traders Use I&M
Accounts
I&M Bank Accounts 2026: Club, PayGo and Select Banking
Cards and Milele Rewards
I&M Bank Cards 2026: Credit, Debit, Prepaid and Milele
Loans and mortgages
I&M Bank Loans 2026: Car, Home, Miliki Nyumba, Personal
Business banking
I&M for Business 2026: Collections, API and Asset Finance
Forex and multicurrency
I&M FX Direct & IMX 2026: Foreign Exchange Explained
Investments and insurance
I&M Investments & Insurance 2026: Wealth and Custody
OTG internet and mobile
I&M OTG 2026: Internet Banking and the Mobile App
Branches and contacts
I&M Bank Kenya Contacts 2026: Branches, ATMs and CDMs
Frequently asked
What is the I&M Bank paybill number?
542542, with your full 14-digit I&M account number as the account.
What is the I&M Bank USSD code?
*458#. For M-PESA, choose Mobile Money which is option 5, then Account to M-Pesa which is option 1.
How much does M-PESA to I&M cost?
Nothing at I&M. Its live tariff lists M-PESA to account transfer as Nil. Safaricom charges its own pay-bill tariff.
Is I&M to M-PESA free?
On a personal account yes, confirmed with I&M in September 2026. Business accounts are charged up to KES 65 per transaction.
How many digits is an I&M account number?
14. A shorter number is the commonest reason an I&M deposit fails to land.
What is the I&M customer care number?
+254 20 322 1000.