Credit Bank paybill number 972 700
Send money from M-Pesa to a Credit Bank account.
Verified by paybillke on 8 May 2026how we verify
Check the cost first
Send to Credit Bank, for less
Sending money to a Kenyan bank? The M-Pesa fee depends on the amount. Check the actual cost before you press send.
Calculate the feeAccount number for Credit Bank
- Format
- Account number
- What to type
- The recipient's Credit Bank 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 Credit Bank (2026 Safaricom tariff)
Total customer fee when paying paybill 972700 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 Credit 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. Credit 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.
Credit Bank payment not working? Top fixes
Common failure modes when paying Credit Bank 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.
Recipient says their bank account was not credited even though M-PESA shows the transfer succeeded.
Confirm the account number in the M-PESA SMS exactly matches the recipient account. Banks typically credit M-PESA deposits within 30 minutes; if longer than 2 hours, the recipient should call the bank with the M-PESA code. Most banks can trace M-PESA-to-bank within 24 hours.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
M-PESA paybill cost
What does paying Credit Bank cost you?
For KES 2,500 to Credit Bank (paybill 972700), 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 Credit Bank
M-Pesa
Pay via M-Pesa 972 700
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 972 700
- Enter Account (Account Number): The recipient's Credit Bank account number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Account Number: The recipient's Credit Bank account number.
Credit Bank payment not working? Top fixes
Common failure modes when paying Credit Bank 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.
Recipient says their bank account was not credited even though M-PESA shows the transfer succeeded.
Confirm the account number in the M-PESA SMS exactly matches the recipient account. Banks typically credit M-PESA deposits within 30 minutes; if longer than 2 hours, the recipient should call the bank with the M-PESA code. Most banks can trace M-PESA-to-bank within 24 hours.
You sent to the wrong account number and need the money back.
Call the bank immediately: most can hold and reverse the funds if the recipient account has not yet been credited (or if the recipient agrees to return them). Once funds have settled into a third party account, the bank cannot unilaterally reverse; it becomes a legal recovery matter.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for Credit 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 Credit Bank
Send money from M-Pesa to a Credit Bank account.
- Sector
- Bank
- Official site
- creditbank.co.ke
Frequently asked about Credit Bank
What is Credit Bank's paybill number?
Credit Bank's M-Pesa paybill is 972700. Send money from M-Pesa to a Credit Bank account.
How do I pay Credit Bank via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 972700, then your account (The recipient's Credit Bank account number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Credit Bank?
The recipient's Credit Bank account number.
Can I pay Credit Bank from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Credit Bank's paybill 972 700. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Credit 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 Credit 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 Credit 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. Credit Bank should also confirm receipt via their channels.
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Paybill displayed: 972 700 (mpesa paybill). How we verify.