AMACO paybill number 545 400
⚠️ Insurance paybills change occasionally as insurers reorganise vendor relationships. Always confirm with the insurer's customer service or your policy document before sending money. If the paybill below doesn't work, contact the insurer directly. Pay your AMACO Insurance premiums.
Verified with caveat on 8 May 2026, see notes belowhow we verify
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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 AMACO
- Format
- Reference number
- What to type
- Your AMACO policy number.
- Common mistake
- Reusing a reference number from a previous payment: most systems mark used references invalid and the new payment lands in suspense.
AMACO payment not working? Top fixes
Common failure modes when paying AMACO via M-PESA, with the first fix to try. 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.
Premium paid via M-PESA but the policy still shows lapsed or unpaid.
Most insurers reflect premium payments within 24 hours. If longer, email the insurer with your M-PESA code, policy number, and the amount. Standard turnaround is 48 hours to manually credit and reinstate cover; ask for a confirmation email so you have proof if you need to claim before their system updates.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
M-PESA paybill cost
What does paying AMACO cost you?
For KES 2,500 to AMACO (paybill 545400), 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 AMACO
M-Pesa
Pay via M-Pesa 545 400
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 545 400
- Enter Account (Reference Number): Your AMACO policy number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Reference Number: Your AMACO policy number.
M-PESA cost to pay AMACO (2026 Safaricom tariff)
Total customer fee when paying paybill 545400 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 AMACO | 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. AMACO 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.
AMACO payment not working? Top fixes
Common failure modes when paying AMACO via M-PESA, with the first fix to try. 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.
Premium paid via M-PESA but the policy still shows lapsed or unpaid.
Most insurers reflect premium payments within 24 hours. If longer, email the insurer with your M-PESA code, policy number, and the amount. Standard turnaround is 48 hours to manually credit and reinstate cover; ask for a confirmation email so you have proof if you need to claim before their system updates.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for AMACO
| 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 AMACO
⚠️ Insurance paybills change occasionally as insurers reorganise vendor relationships. Always confirm with the insurer's customer service or your policy document before sending money. If the paybill below doesn't work, contact the insurer directly. Pay your AMACO Insurance premiums.
- Sector
- Insurance
- Official site
- amaco.co.ke
Frequently asked about AMACO
What is AMACO's paybill number?
AMACO's M-Pesa paybill is 545400. ⚠️ Insurance paybills change occasionally as insurers reorganise vendor relationships. Always confirm with the insurer's customer service or your policy document before sending money. If the paybill below doesn't work, contact the insurer directly. Pay your AMACO Insurance premiums.
How do I pay AMACO via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 545400, then your account (Your AMACO policy number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for AMACO?
Your AMACO policy number.
Can I pay AMACO from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to AMACO's paybill 545 400. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying AMACO?
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 AMACO 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 AMACO 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. AMACO should also confirm receipt via their channels.
Read deeper
Paybill & M-PESA mechanics
How M-PESA, paybills, and Safaricom merchant systems actually function.
Pillar guide
How M-Pesa paybills actually work
The technical anatomy: from the merchant, through Safaricom, to the bank, and why charges work the way they do.
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Paybill displayed: 545 400 (mpesa paybill). How we verify.