Pay Stanbic from the United Kingdom
How to send GBP from the United Kingdom to Stanbic M-PESA paybill 600100 in 2026 — recommended services, real cost, and the cleanest route end-to-end.
Sending £100 from the United Kingdom to Stanbic
A typical transfer at £100 via Wise breaks down roughly as:
| You send | £100 |
| Wise fee + FX margin (typical) | ~£2.20 |
| Recipient's M-PESA balance lands at | ~KES 16,088 |
| M-PESA paybill fee to Stanbic | ~KES 62 |
| Stanbic receives | ~KES 16,026 |
Estimates only. Real costs vary by amount, payment method, and provider promotions. Try our diaspora calculator for live comparison across 7 services.
Recommended remittance services from the United Kingdom
The GBP-KES corridor is one of the better-served in the world. These are the providers consistently delivering the lowest combined cost (fee + FX margin) for transfers to a Kenyan M-PESA in 2026:
- Wise — see our United Kingdom diaspora hub for full provider notes and sender-specific tips.
- Lemfi — see our United Kingdom diaspora hub for full provider notes and sender-specific tips.
- Sendwave — see our United Kingdom diaspora hub for full provider notes and sender-specific tips.
- WorldRemit — see our United Kingdom diaspora hub for full provider notes and sender-specific tips.
Step-by-step: GBP → Stanbic paybill
- Open your remittance app. Wise is the typical first choice from the United Kingdom. Sign up if you don't already have an account — KYC takes 5-10 minutes for a United Kingdom resident.
- Choose "Send to Kenya" → "M-PESA". Enter the recipient's registered Safaricom phone number (yours, if you're paying your own paybill).
- Enter the amount. The app shows you the mid-market rate, the provider's rate, and the fee. Confirm.
- Pay with bank transfer or debit card. Bank transfer (ACH/Faster Payments) is usually 1-2% cheaper than card, but slower.
- Funds arrive in M-PESA within minutes. The recipient receives an SMS notification.
- Pay Stanbic: Open M-PESA → Lipa na M-PESA → Pay Bill → enter 600100. Account: the recipient's stanbic bank account number.. Enter the amount and PIN.
Total elapsed time from United Kingdom app to Stanbic confirmation: typically 5-15 minutes.
United Kingdom-specific note
Wise consistently has the lowest FX margin GBP-KES (typically ~0.4-0.6%). Best for amounts above £100.
See our full United Kingdom diaspora guide for additional country-specific tips and the broader corridor context.
Other paybills Kenyans pay from the United Kingdom
The most-paid paybills from this corridor: KPLC electricity, school fees, family support, SHA contributions for parents.
FAQ
Can I pay Stanbic directly from United Kingdom without M-PESA?
For some paybills (banks, government services), an international SWIFT wire is possible but expensive — bank fees of £25-50 plus a 2-3% FX margin on the receiving bank. The M-PESA route via a remittance service is almost always cheaper for amounts under £10,000.
Do I need a Kenyan M-PESA account to send from the United Kingdom?
Not your own. The remittance service sends funds to any registered Safaricom M-PESA number — yours, a relative's, or the recipient's. Whoever receives the funds then pays paybill 600100 from their M-PESA.
What's the time-zone consideration from the United Kingdom?
GMT (UTC+0) — Kenya is 3 hours ahead in winter, 2 hours in summer matters mainly for customer support — both yours (during United Kingdom business hours) and Kenyan (M-PESA support is 24/7 but agent and merchant support depends on Kenyan business hours). Transfers themselves are 24/7.
What is the Stanbic paybill number?
600100. Use the recipient's stanbic bank account number.