KCB paybill number 522 522
Send money from M-Pesa to a KCB Bank account. Same paybill for all KCB account holders.
Verified by paybillke on 8 May 2026how we verify
Paybill
522 522
Account number: Your KCB account number (the recipient's account, not yours)
Which KCB paybill do I use? 522522 deposits to a KCB bank account. For merchant or school payments use 522533 (Lipa na KCB). For school fees on Lipa Karo use 522123. For the KCB M-PESA loan use 522559. Full breakdown at paybillke.com/kcb/paybills-explained.
Check the cost first
Send to KCB, 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 KCB
- Format
- Account number
- What to type
- Your KCB account number (the recipient's account, not yours).
- Example
- The recipient's KCB account number (typically 13 digits, no spaces)
- 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 KCB (2026 Safaricom tariff)
Total customer fee when paying paybill 522522 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 KCB | 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. KCB 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.
KCB payment not working? Top fixes
Common failure modes specific to KCB, 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 sent to a KCB account number but the recipient says nothing has landed.
KCB credits M-PESA paybill 522522 deposits within 30 minutes. If longer, the recipient should call the KCB contact centre (0711 087 000, spaced) with the M-PESA code; KCB can trace and credit within 2 hours during business hours. Persistent missing deposits are usually a one-digit account number typo.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
KCB Bank uses paybill 522522 for paying into a KCB account from M-PESA: what shows up on your M-PESA prompt as the account is the recipient's KCB account number, not yours. KCB credits these instantly during business hours and within 30 minutes outside; transfers above KES 70,000 may require additional review. KCB also runs the KCB M-PESA loan product (separate from this paybill) and the M-PESA-linked KCB Goal Savings, both of which have their own access flows.
M-PESA paybill cost
What does paying KCB cost you?
For KES 2,500 to KCB (paybill 522522), 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 KCB
M-Pesa
Pay via M-Pesa 522 522
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 522 522
- Enter Account (Account Number): Your KCB account number (the recipient's account, not yours).
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Account Number: Your KCB account number (the recipient's account, not yours).
Paying KCB from outside Kenya
If you are abroad and this is a bill for family at home, the usual route costs you twice. You pay a transfer fee to get money into someone's M-PESA, then paying 522522 from that wallet is charged again on the M-PESA paybill tariff.
Before you send, check whether your transfer provider can pay a Kenyan paybill directly rather than paying a person. If it can, the money goes straight to KCB, the second charge never happens, and nobody at home has to do anything. Providers differ on this and it changes, so confirm it in your own app rather than taking anyone else's word.
The exact M-PESA charge depends on the amount. Work it out on this page, or compare what the transfer itself costs on the send-money comparison.
KCB payment not working? Top fixes
Common failure modes specific to KCB, 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 sent to a KCB account number but the recipient says nothing has landed.
KCB credits M-PESA paybill 522522 deposits within 30 minutes. If longer, the recipient should call the KCB contact centre (0711 087 000, spaced) with the M-PESA code; KCB can trace and credit within 2 hours during business hours. Persistent missing deposits are usually a one-digit account number typo.
You sent to a wrong KCB account number and want the money back.
Call the KCB contact centre (0711 087 000, spaced) immediately. If the recipient account has not yet been credited (typical first 15 minutes), KCB can hold and reverse the paybill 522522 credit. Once credited to a third party, recovery requires the recipient's consent or a court order; KCB cannot unilaterally reverse.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
KCB USSD code
Beyond paying via M-PESA, KCB customers can manage their account directly through the KCB Bank Kenya USSD shortcut, free from any phone with no internet:
*522#Tap to dial on phoneKCB mobile banking, balance, transfer, statement, loans.
- Check account balance
- Send to KCB account
- Send to other banks (PesaLink, RTGS, EFT)
- Send to M-PESA
- Apply for KCB M-PESA loan
- Card management (block, request, PIN reset)
Calculator preview
M-Pesa fees for KCB
| 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% |
On-page calculator
Estimate your KCB loan repayment
KCB loan products price differently, personal loans, asset finance, mortgages. Enter your principal, KCB-quoted rate, and term to model the monthly cost.
Result
Monthly payment
KES 17,089
Total paid
KES 615,197
Total interest
KES 115,197
Visual breakdown
KES 615,197
Total paid
- Principal (yours)81.3%KES 500,000
- Interest (lender keeps)18.7%KES 115,197
See how much of every loan goes to interest. Shorter term = smaller red slice.
About KCB
Send money from M-Pesa to a KCB Bank account. Same paybill for all KCB account holders.
- Sector
- Bank
- Official site
- ke.kcbgroup.com
Frequently asked about KCB
What is KCB's paybill number?
KCB's M-Pesa paybill is 522522. Send money from M-Pesa to a KCB Bank account. Same paybill for all KCB account holders.
How do I pay KCB via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 522522, then your account (Your KCB account number (the recipient's account, not yours).), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for KCB?
Your KCB account number (the recipient's account, not yours).
Can I pay KCB from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to KCB's paybill 522 522. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying KCB?
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 KCB 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 KCB 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. KCB should also confirm receipt via their channels.
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Further reading
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Paybill displayed: 522 522 (mpesa paybill). How we verify.