I&M prepaid card paybill number 872 651
Load an I&M prepaid card from M-PESA.
Verified by paybillke on 23 October 2026how we verify
Paybill
872 651
Note: Visa Safari, Visa Travel and Multicurrency prepaid card top-up. Not the account paybill, which is 542542.
Account number: Your 16-digit prepaid card number
The screen should read: IM PREPAID CARD ACCOUNT. If it shows any other name, cancel. We read this on the M-PESA app on 2026-10-23.
Check the cost first
Send to I&M prepaid card, 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 I&M prepaid card
- Format
- Account number
- What to type
- Your 16-digit prepaid card number.
- Example
- A 16-digit card 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 I&M prepaid card (2026 Safaricom tariff)
Total customer fee when paying paybill 872651 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 I&M prepaid card | 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. I&M prepaid card 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.
I&M prepaid card payment not working? Top fixes
Common failure modes specific to I&M prepaid card, 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.
You used 542542 with the card number.
542542 is the account paybill and expects a 14-digit account number. Call I&M on +254 20 322 1000 with the M-PESA code so the payment can be traced and applied or returned.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Paybill 872651 loads I&M Bank's prepaid cards: the Visa Safari card in shillings, the Visa Travel card in dollars and the Multicurrency card in USD, GBP and EUR. The account is the 16-digit card number. All three of I&M's card pages give the same steps and list the reload fee as nil. This is a different number from 542542, I&M's paybill for bank accounts, which takes a 14-digit account number. You can also load through Mpesa Xpress on I&M's website, from an I&M account in the OTG app, or at a branch.
M-PESA paybill cost
What does paying I&M prepaid card cost you?
For KES 2,500 to I&M prepaid card (paybill 872651), 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 I&M prepaid card
M-Pesa
Pay via M-Pesa 872 651
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 872 651
- Enter Account (Account Number): Your 16-digit prepaid card number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Account Number: Your 16-digit prepaid card number.
I&M prepaid card payment not working? Top fixes
Common failure modes specific to I&M prepaid card, 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.
You used 542542 with the card number.
542542 is the account paybill and expects a 14-digit account number. Call I&M on +254 20 322 1000 with the M-PESA code so the payment can be traced and applied or returned.
Loaded but the card balance has not changed.
Check the full 16-digit card number was entered with no spaces missing. Then call I&M on +254 20 322 1000 with the M-PESA code.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for I&M prepaid card
| 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 I&M prepaid card
Load an I&M prepaid card from M-PESA.
- Sector
- Bank
- Official site
- imbankgroup.com
Frequently asked about I&M prepaid card
What is I&M prepaid card's paybill number?
I&M prepaid card's M-Pesa paybill is 872651. Load an I&M prepaid card from M-PESA.
How do I pay I&M prepaid card via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 872651, then your account (Your 16-digit prepaid card number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for I&M prepaid card?
Your 16-digit prepaid card number.
Can I pay I&M prepaid card from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to I&M prepaid card's paybill 872 651. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying I&M prepaid card?
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 I&M prepaid card 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 I&M prepaid card 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. I&M prepaid card should also confirm receipt via their channels.
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Paybill displayed: 872 651 (mpesa paybill). How we verify.