TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
Watu Credit (Watu Africa)
Repay your Watu motorcycle, tuk-tuk, or asset-finance loan via M-Pesa.
Paybill
290 290
Note: Verify Watu Credit paybill on watu.africa or in your loan agreement before publishing.
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Before borrowing from Watu, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersHow to pay Watu
M-Pesa
Pay via M-Pesa 290 290
- Open M-Pesa — dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 290 290
- Enter Account (Reference Number): Your Watu loan account number (provided in your loan agreement).
- Enter the amount — in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Reference Number: Your Watu loan account number (provided in your loan agreement).
Calculator preview
M-Pesa fees for Watu
| 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 Watu
Repay your Watu motorcycle, tuk-tuk, or asset-finance loan via M-Pesa.
- Sector
- Lending
- Official site
- watu.africa
Compare lenders
Compare alternatives to Watu
Other CBK-licensed digital lenders. Rates and approval criteria vary.
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Mobile loans with credit-history building. CBK-licensed.
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Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceFrequently asked about Watu
What is Watu's paybill number?
Watu's M-Pesa paybill is 290290. Repay your Watu motorcycle, tuk-tuk, or asset-finance loan via M-Pesa.
How do I pay Watu via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 290290, then your account (Your Watu loan account number (provided in your loan agreement).), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Watu?
Your Watu loan account number (provided in your loan agreement).
Can I pay Watu from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Watu's paybill 290 290. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying Watu?
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 Watu loan?
Use M-Pesa paybill 290290 with your Your Watu loan account number (provided in your loan agreement).. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact Watu 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 Watu 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. Watu should also confirm receipt via their channels.
Further reading
Curated external sources we cite. Open in a new tab.
M-Pesa Fuliza Calculator
Fuliza overdraft access fee + daily charges calculator.
mpesa.or.ke · calculator
M-Shwari Calculator
M-Shwari savings interest + loan interest calculator (NCBA).
mpesa.or.ke · calculator
M-Pesa Taasi Till Loan Calculator
Taasi merchant lending product specifically.
mpesa.or.ke · calculator
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Paybill displayed: 290 290 (mpesa paybill). How we verify.