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KCB M-PESA paybill number 522 559
Repay a KCB M-PESA loan on M-PESA paybill 522559, with the borrower's national ID number as the account.
Verified by paybillke on 8 May 2026how we verify
Paybill
522 559
Account number: Enter the borrower's national ID number (for example 12345678). KCB's own FAQ gives the ID number, not the phone number
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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 lendersAccount number for KCB M-PESA
- Format
- National ID number
- What to type
- Enter the borrower's national ID number (for example 12345678). KCB's own FAQ gives the ID number, not the phone number.
- Common mistake
- Using a passport or alien card number where the system expects a Kenyan ID: these accounts often use a separate account format that is not the ID.
KCB M-PESA payment not working? Top fixes
Common failure modes specific to KCB M-PESA, 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 paid 522559 with your phone number as the account and the loan has not cleared.
KCB's FAQ says the account for 522559 is the borrower's national ID number. Call the KCB contact centre with the M-PESA transaction code so they can match the payment to your loan.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
KCB M-PESA loans repay through paybill 522559 with the borrower's national ID number as the account (KCB's FAQ, checked 18 Oct 2026). Distinct from depositing to a regular KCB bank account (paybill 522522), this is exclusively for the joint KCB and Safaricom mobile loan product accessed via the M-PESA menu, then KCB M-PESA. APR is approximately 8% per 30-day cycle (much cheaper than Tala or Branch). Limit grows from KES 1,000 to KES 1 million over 6 to 12 months of activity.
M-PESA paybill cost
What does paying KCB M-PESA cost you?
For KES 2,500 to KCB M-PESA (paybill 522559), the M-PESA charge is at most KES 20. Safaricom sets the charge; each business chooses whether the customer pays it, the business pays it, or they share it.
KSh
Result
Fee
KES 20
Total cost
KES 2,520
The fee is 0.80% of the amount sent.
Free for payments of KES 100 and below.
This is the total charge. The business chooses who pays it: you (Business Bouquet), the business (Customer Bouquet) or both, split by band (Mgao). So it is the most you pay.
Source: Safaricom Paybill Standard Tariff, linked from the Business Paybill page, checked 25 October 2026.
Updated for 2026 Safaricom tariffs. Verify on safaricom.co.ke before sending large amounts.
How to pay KCB M-PESA
M-Pesa
Pay via M-Pesa 522 559
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 522 559
- Enter Account (ID Number): Enter the borrower's national ID number (for example 12345678). KCB's own FAQ gives the ID number, not the phone number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
ID Number: Enter the borrower's national ID number (for example 12345678). KCB's own FAQ gives the ID number, not the 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 KCB M-PESA (2026 Safaricom tariff)
The M-PESA charge on paybill 522559 at common amounts, from Safaricom's Paybill Standard Tariff. This is the total charge. KCB M-PESAchooses who pays it: you, KCB M-PESA, or a split, so it is the most you pay.
| If you pay KCB M-PESA | M-PESA fee | Most taken from 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 108 | KES 50,108 |
Free for amounts up to KES 100. Source: Safaricom Paybill Standard Tariff, checked 25 October 2026.
See full M-PESA fee bands and limits for every amount up to KES 250,000. Safaricom's fees already include excise duty, which is 15% of the fee on money transfer services.
KCB M-PESA payment not working? Top fixes
Common failure modes specific to KCB M-PESA, 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 paid 522559 with your phone number as the account and the loan has not cleared.
KCB's FAQ says the account for 522559 is the borrower's national ID number. Call the KCB contact centre with the M-PESA transaction code so they can match the payment to your loan.
You repaid via paybill 522559 but the M-PESA menu still shows the KCB M-PESA loan outstanding.
Open the M-PESA menu, Loans and Savings, KCB M-PESA, and check the loan balance. Most repayments reflect within 5 minutes. If still showing after 30 minutes, call the KCB contact centre with the M-PESA code.
You repaid to paybill 522522 (regular KCB bank) instead of 522559 (KCB M-PESA loan).
These are separate ledgers; the payment landed in a regular KCB account suspense, not the loan. Call the KCB contact centre immediately with the M-PESA code. KCB can move funds between the two within 24 hours during the working week.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Calculator preview
M-Pesa fees for KCB M-PESA
| 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 KCB M-PESA loan cost
KCB M-PESA short-term loans price like a fixed-cycle facility fee. Model the cost over typical hold periods.
KES
%
months
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 M-PESA
Repay a KCB M-PESA loan on M-PESA paybill 522559, with the borrower's national ID number as the account.
- Sector
- Lending
- Official site
- ke.kcbgroup.com
Compare lenders
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Visit Zenka FinanceFrequently asked about KCB M-PESA
What is KCB M-PESA's paybill number?
KCB M-PESA's M-Pesa paybill is 522559. Repay a KCB M-PESA loan on M-PESA paybill 522559, with the borrower's national ID number as the account.
How do I pay KCB M-PESA via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 522559, then your account (Enter the borrower's national ID number (for example 12345678). KCB's own FAQ gives the ID number, not the phone number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for KCB M-PESA?
Enter the borrower's national ID number (for example 12345678). KCB's own FAQ gives the ID number, not the phone number.
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 paybill 522 559. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying KCB M-PESA?
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 KCB M-PESA loan?
Use M-Pesa paybill 522559 with your Enter the borrower's national ID number (for example 12345678). KCB's own FAQ gives the ID number, not the phone number.. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact KCB M-PESA support straight away with your M-PESA transaction code. If you paid the wrong paybill entirely, call Safaricom customer care on 100 (prepay) or 200 (postpay) as soon as you can. The 456 self-reversal does not cover paybills, and the business has to agree before the money comes back, so a refund is not 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.
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Paybill displayed: 522 559 (mpesa paybill). How we verify.