Spire Bank
Send money from M-Pesa to a Spire Bank account.
Paybill
832 001
Note: Verify Spire Bank paybill before publishing — bank has had recent ownership changes.
Check the cost first
Send to Spire Bank — 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 feeHow to pay Spire Bank
M-Pesa
Pay via M-Pesa 832 001
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 832 001
- Enter Account (Account Number): The recipient's Spire Bank 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 Spire Bank account number.
Calculator preview
M-Pesa fees for Spire Bank
| 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 Spire Bank
Send money from M-Pesa to a Spire Bank account.
- Sector
- Bank
- Official site
- spirebank.co.ke
Frequently asked about Spire Bank
What is Spire Bank's paybill number?
Spire Bank's M-Pesa paybill is 832001. Send money from M-Pesa to a Spire Bank account.
How do I pay Spire Bank via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 832001, then your account (The recipient's Spire Bank account number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Spire Bank?
The recipient's Spire Bank account number.
Can I pay Spire Bank from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Spire Bank's paybill 832 001. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Spire Bank?
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 Spire Bank 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 Spire Bank 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. Spire Bank should also confirm receipt via their channels.
Further reading
Curated external sources we cite. Open in a new tab.
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Paybill displayed: 832 001 (mpesa paybill). How we verify.