APA Insurance
Pay your APA Insurance premiums.
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 calculatorHow to pay APA
M-Pesa
Pay via M-Pesa 111 223
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 111 223
- Enter Account (Reference Number): Your APA 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 APA policy number.
Calculator preview
M-Pesa fees for APA
| 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 APA
Pay your APA Insurance premiums.
- Sector
- Insurance
- Official site
- apainsurance.org
Frequently asked about APA
What is APA's paybill number?
APA's M-Pesa paybill is 111223. Pay your APA Insurance premiums.
How do I pay APA via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 111223, then your account (Your APA policy number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for APA?
Your APA policy number.
Can I pay APA from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to APA's paybill 111 223. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying APA?
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 APA 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 APA 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. APA should also confirm receipt via their channels.
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Paybill displayed: 111 223 (mpesa paybill). How we verify.