TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
KCB M-Pesa
KCB-M-Pesa lets you save and borrow directly through M-Pesa. Access via the M-Pesa app or *844#.
Send Money
844
Note: Access via M-Pesa USSD menu, not a traditional paybill
Note: KCB-M-Pesa is a USSD-driven service, not a traditional paybill. Educate users on this distinction.
Looking for a loan?
Compare digital lenders in Kenya
Before borrowing from KCB-M-Pesa, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersHow to pay KCB-M-Pesa
M-Pesa
Pay via M-Pesa 844
- Dial *844# on your Safaricom line.
- Follow the prompts — the menu will guide you through the rest.
About KCB-M-Pesa
KCB-M-Pesa lets you save and borrow directly through M-Pesa. Access via the M-Pesa app or *844#.
- Sector
- Lending
- Official site
- ke.kcbgroup.com
Compare lenders
Compare alternatives to KCB-M-Pesa
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
First loan free, then competitive rates.
Visit Zenka FinanceFrequently asked about KCB-M-Pesa
What is KCB-M-Pesa's send money number?
KCB-M-Pesa's M-Pesa send money is *844#. KCB-M-Pesa lets you save and borrow directly through M-Pesa. Access via the M-Pesa app or *844#.
Can I pay KCB-M-Pesa from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to KCB-M-Pesa's send money 844. Compare fees on our diaspora hub before sending.
How do I repay my KCB-M-Pesa loan?
Use M-Pesa send money *844# with your Activate via M-Pesa menu or the M-Pesa app.. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact KCB-M-Pesa 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-M-Pesa 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-M-Pesa should also confirm receipt via their channels.
Further reading
Curated external sources we cite. Open in a new tab.
M-Shwari Calculator
M-Shwari savings interest + loan interest calculator (NCBA).
mpesa.or.ke · calculator
M-Pesa Fuliza Calculator
Fuliza overdraft access fee + daily charges calculator.
mpesa.or.ke · calculator
M-Pesa Taasi Till Loan Calculator
Taasi merchant lending product specifically.
mpesa.or.ke · calculator
More from Lending
Related paybills
paybillke is an independent directory and tools service. We are not affiliated with Safaricom, Airtel, T-Kash, or any listed company.
Paybill displayed: 844 (mpesa send-money). How we verify.