Access Bank paybill number 862 862
Deposit money into your Access Bank Kenya account via M-PESA paybill 862862. Account = your 13-digit Access Bank account number.
Verified by paybillke on 8 September 2026how we verify
Paybill
862 862
Account number: Your 13-digit Access Bank Kenya account number (on the ATM card or bank statement)
Pay smarter
Calculate what this transaction will cost
Use the M-Pesa fees calculator to see the exact 2026 cost, in KES or your home currency if you're paying from abroad.
Open calculatorAccount number for Access Bank
- Format
- Account number
- What to type
- Your 13-digit Access Bank Kenya account number (on the ATM card or bank statement).
- Example
- Your 13-digit Access Bank Kenya account number
- Common mistake
- Including a hyphen, slash, or space: most paybill systems reject the entry silently and the money waits in suspense until manually reconciled.
M-PESA cost to pay Access Bank (2026 Safaricom tariff)
Total customer fee when paying paybill 862862 from M-PESA at common amounts. Fees are the standard Safaricom paybill bracket; some government services (eCitizen, KRA, NHIF/SHA) are zero-rated and these fees may be waived.
| If you pay Access Bank | M-PESA fee | Total off your M-PESA |
|---|---|---|
| KES 200 | KES 5 | KES 205 |
| KES 500 | KES 5 | KES 505 |
| KES 1,000 | KES 10 | KES 1,010 |
| KES 2,500 | KES 20 | KES 2,520 |
| KES 10,000 | KES 48 | KES 10,048 |
| KES 50,000 | KES 67 | KES 50,067 |
Free for amounts up to KES 100. Access Bank does not charge its own fee on top of the M-PESA tariff; what you see is what you pay.
See full M-PESA fee bands, limits, and the 20% excise duty explained for every amount up to KES 250,000.
Access Bank payment not working? Top fixes
Common failure modes specific to Access Bank, with the fix that works first. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Deposit sent to 862862 but Access Bank balance not updated.
Standard reflection is 5-15 minutes. If still not visible after 30 minutes, call Access Bank Kenya on 0711 082 000 with the M-PESA confirmation code and your account number: Access Bank can credit manually same-day.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Access Bank Kenya (formerly Transnational Bank; part of Nigerian parent Access Bank PLC) uses M-PESA paybill 862862 for deposits into customer accounts. The account reference is your 13-digit Access Bank account number as printed on your ATM card or bank statement. First KES 100 per transaction is free; higher amounts incur a nominal transfer fee. Deposits typically reflect within 5-15 minutes. Access Bank Kenya operates a network of branches nationwide and offers PesaLink as an alternative rail for bank-to-bank transfers.
M-PESA paybill cost
What does paying Access Bank cost you?
For KES 2,500 to Access Bank (paybill 862862), you pay KES 33 on top (total KES 2,533 debited from M-PESA). The fee is set by Safaricom, not by the paybill.
Result
Fee
KES 20
Total cost
KES 2,520
Free for transactions up to KES 100.
Some paybills (e.g., government services on eCitizen) are zero-rated, Safaricom waives the customer fee. Confirm with the receiving entity.
Fees are typically lower than Send Money for the same amount.
Updated for 2026 Safaricom tariffs. Verify on safaricom.co.ke before sending large amounts.
How to pay Access Bank
M-Pesa
Pay via M-Pesa 862 862
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 862 862
- Enter Account (Account Number): Your 13-digit Access Bank Kenya account number (on the ATM card or bank statement).
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Account Number: Your 13-digit Access Bank Kenya account number (on the ATM card or bank statement).
Access Bank payment not working? Top fixes
Common failure modes specific to Access Bank, with the fix that works first. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Deposit sent to 862862 but Access Bank balance not updated.
Standard reflection is 5-15 minutes. If still not visible after 30 minutes, call Access Bank Kenya on 0711 082 000 with the M-PESA confirmation code and your account number: Access Bank can credit manually same-day.
You entered a wrong Access Bank account number.
Call 0711 082 000 immediately with the M-PESA code, the correct account number, and the wrong one. If both accounts are in the same customer name, Access Bank can transfer within 24 hours. Cross-name recovery requires the receiving account holder's consent.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for Access Bank
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | , |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About Access Bank
Deposit money into your Access Bank Kenya account via M-PESA paybill 862862. Account = your 13-digit Access Bank account number.
- Sector
- Bank
- Official site
- kenya.accessbankplc.com
Frequently asked about Access Bank
What is Access Bank's paybill number?
Access Bank's M-Pesa paybill is 862862. Deposit money into your Access Bank Kenya account via M-PESA paybill 862862. Account = your 13-digit Access Bank account number.
How do I pay Access Bank via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 862862, then your account (Your 13-digit Access Bank Kenya account number (on the ATM card or bank statement).), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Access Bank?
Your 13-digit Access Bank Kenya account number (on the ATM card or bank statement).
Can I pay Access Bank from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Access Bank's paybill 862 862. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Access Bank?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
What if I pay the wrong amount or use the wrong paybill?
Contact Access Bank support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal, though success isn't guaranteed.
How do I confirm my payment to Access Bank went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code, it's your proof of payment. Access Bank should also confirm receipt via their channels.
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Paybill displayed: 862 862 (mpesa paybill). How we verify.