NCBA paybill number 880 100
Send money from M-Pesa to an NCBA account (formerly NIC and CBA).
Verified by paybillke on 8 May 2026how we verify
Check the cost first
Send to NCBA, 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 NCBA
- Format
- Account number
- What to type
- The recipient's NCBA account number.
- Example
- The recipient's NCBA Bank account number (typically 10-12 digits)
- 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 NCBA (2026 Safaricom tariff)
Total customer fee when paying paybill 880100 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 NCBA | 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. NCBA 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.
NCBA payment not working? Top fixes
Common failure modes specific to NCBA, 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.
NCBA account not credited despite M-PESA confirmation.
NCBA processes most M-PESA deposits in real time. If delayed beyond 30 minutes, the recipient should call 0711 056 000 with the M-PESA code. Standard trace + credit takes 1-2 hours during banking hours.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Common help with NCBA
NCBA Bank Kenya uses paybill 880100 for M-PESA deposits into an NCBA account; the account field is the recipient's NCBA account number, not yours. NCBA was formed by the 2019 merger of NIC Bank and Commercial Bank of Africa (Safaricom's longtime M-PESA partner), so NCBA is the back-end bank for M-Shwari and KCB M-PESA settlement; that infrastructure makes M-PESA-to-NCBA deposits on 880100 effectively instant during banking hours.
M-PESA paybill cost
What does paying NCBA cost you?
For KES 2,500 to NCBA (paybill 880100), 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 NCBA
M-Pesa
Pay via M-Pesa 880 100
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 880 100
- Enter Account (Account Number): The recipient's NCBA 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 NCBA account number.
Paying NCBA 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 880100 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 NCBA, 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.
NCBA payment not working? Top fixes
Common failure modes specific to NCBA, 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.
NCBA account not credited despite M-PESA confirmation.
NCBA processes most M-PESA deposits in real time. If delayed beyond 30 minutes, the recipient should call 0711 056 000 with the M-PESA code. Standard trace + credit takes 1-2 hours during banking hours.
You sent to the wrong NCBA account number.
Call 0711 056 000 immediately with the M-PESA code. NCBA can hold + reverse if the wrong account has not yet been credited (typical first 15 minutes). Once credited, recovery requires recipient consent or court order.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
NCBA USSD code
Beyond paying via M-PESA, NCBA customers can manage their account directly through the NCBA Bank USSD shortcut, free from any phone with no internet:
*488#Tap to dial on phoneNCBA mobile banking, M-Shwari operator.
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M-Pesa fees for NCBA
| 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 NCBA
Send money from M-Pesa to an NCBA account (formerly NIC and CBA).
- Sector
- Bank
- Official site
- ke.ncbagroup.com
Frequently asked about NCBA
What is NCBA's paybill number?
NCBA's M-Pesa paybill is 880100. Send money from M-Pesa to an NCBA account (formerly NIC and CBA).
How do I pay NCBA via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 880100, then your account (The recipient's NCBA account number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for NCBA?
The recipient's NCBA account number.
Can I pay NCBA from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to NCBA's paybill 880 100. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying NCBA?
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 NCBA 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 NCBA 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. NCBA should also confirm receipt via their channels.
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Paybill displayed: 880 100 (mpesa paybill). How we verify.