TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
Branch paybill number 998 608
Repay your Branch mobile loan via M-Pesa paybill.
Verified by paybillke on 8 May 2026how we verify
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Before borrowing from Branch, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersAccount number for Branch
- Format
- Phone number
- What to type
- Your Branch-registered phone number.
- Common mistake
- Sending from a phone number that is not your registered account phone: the credit lands on your account regardless of who sent it, but only if the registered phone is in the account field.
Branch payment not working? Top fixes
Common failure modes specific to Branch, 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.
Repayment cleared M-PESA but the Branch app still shows the loan outstanding.
Branch usually reflects repayments within 15 minutes. Force a refresh (pull-down on the loans screen) or log out and back in. If still showing after 1 hour, screenshot the M-PESA SMS and open in-app support chat.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Branch is a US-headquartered instant-loan app operating in Kenya since 2017; repayments route via paybill 998608 with your Branch loan reference or registered Safaricom number as the account. Disburses KES 500 to 70,000 within 5 minutes of approval; approval is algorithmic based on phone metadata. APR is approximately 132 to 167% annualised depending on tenor, comparable to Tala and more expensive than KCB M-PESA or M-Shwari. Branch only disburses to and repays from the Branch-registered Safaricom number; using a different number creates a reconciliation backlog.
M-PESA paybill cost
What does paying Branch cost you?
For KES 2,500 to Branch (paybill 998608), you pay KES 33 on top (total KES 2,533 debited from M-PESA). The fee is set by Safaricom, not by the paybill.
KSh
Result
Fee
KES 20
Total cost
KES 2,520
The fee is 0.80% of the amount sent.
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 Branch
M-Pesa
Pay via M-Pesa 998 608
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 998 608
- Enter Account (Phone Number): Your Branch-registered phone number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Phone Number: Your Branch-registered phone number.
New to M-PESA paybills? Read the complete how-to-pay-a-paybill guide for every route (USSD, STK, SIM Toolkit, My OneApp), fees, and common mistakes.
M-PESA cost to pay Branch (2026 Safaricom tariff)
Total customer fee when paying paybill 998608 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 Branch | 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. Branch 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.
Branch payment not working? Top fixes
Common failure modes specific to Branch, 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.
Repayment cleared M-PESA but the Branch app still shows the loan outstanding.
Branch usually reflects repayments within 15 minutes. Force a refresh (pull-down on the loans screen) or log out and back in. If still showing after 1 hour, screenshot the M-PESA SMS and open in-app support chat.
You are CRB-listed by Branch and want it cleared after paying.
Branch does not auto-update CRB. Request a clearance letter via the in-app support chat (typically issued within 7 days). The letter then updates your CRB status; the listing clears 14 days from the letter issue date.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for Branch
| 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 Branch
Repay your Branch mobile loan via M-Pesa paybill.
- Sector
- Lending
- Official site
- branch.co.ke
Compare lenders
Compare alternatives to Branch
Other CBK-licensed digital lenders. Rates and approval criteria vary.
BR
Branch
CBK-licensed
Mobile loans with credit-history building. CBK-licensed.
Visit BranchZN
Zenka Finance
CBK-licensed
App loans from KSh 500 to KSh 200,000. CBK-licensed.
Visit Zenka FinanceFrequently asked about Branch
What is Branch's paybill number?
Branch's M-Pesa paybill is 998608. Repay your Branch mobile loan via M-Pesa paybill.
How do I pay Branch via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 998608, then your account (Your Branch-registered phone number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Branch?
Your Branch-registered phone number.
Can I pay Branch from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Branch's paybill 998 608. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Branch?
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.
How do I repay my Branch loan?
Use M-Pesa paybill 998608 with your Your Branch-registered phone number.. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact Branch 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 Branch 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. Branch should also confirm receipt via their channels.
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Further reading
Curated external sources we cite. Open in a new tab.
M-Pesa Fuliza Calculator
Fuliza overdraft access fee + daily charges calculator.
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M-Shwari Calculator
M-Shwari savings interest + loan interest calculator (NCBA).
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Paybill displayed: 998 608 (mpesa paybill). How we verify.