TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
Watu paybill number 650 880
Repay your Watu motorcycle, tuk-tuk, or asset-finance loan via M-Pesa.
Verified by paybillke on 8 May 2026how we verify
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Compare lendersAccount number for Watu
- Format
- Reference number
- What to type
- Your National ID number.
- Example
- Your 8-digit National ID number
- Common mistake
- Reusing a reference number from a previous payment: most systems mark used references invalid and the new payment lands in suspense.
Watu payment not working? Top fixes
Common failure modes specific to Watu, 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.
Repayment cleared M-PESA but the Watu app still shows the bike immobilised.
Watu unlocks bikes within 2 hours of payment during business hours. If still immobilised after that, call Watu on 0729 444 444 with the M-PESA code and bike registration. Outside business hours, unlock waits until next morning.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
Watu Credit specialises in motorcycle (boda boda) financing; instalments are collected on paybill 650880 with the borrower's Watu agreement number or National ID as the account. Watu finances roughly 60 to 70% of new boda bodas in Kenya, with weekly instalments collected over 18 to 24 months. Defaulting triggers GPS-enabled remote immobilisation of the motorcycle (Watu installs trackers on every financed unit). Settlement of the balance unlocks the bike remotely within hours.
M-PESA paybill cost
What does paying Watu cost you?
For KES 2,500 to Watu (paybill 650880), you pay KES 33 on top (total KES 2,533 debited from M-PESA). The fee is set by Safaricom, not by the paybill.
KSh
Result
Fee
KES 20
Total cost
KES 2,520
The fee is 0.80% of the amount sent.
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 Watu
M-Pesa
Pay via M-Pesa 650 880
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 650 880
- Enter Account (Reference Number): Your National ID number.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Reference Number: Your National ID 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 Watu (2026 Safaricom tariff)
Total customer fee when paying paybill 650880 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 Watu | 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. Watu 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.
Watu payment not working? Top fixes
Common failure modes specific to Watu, 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.
Repayment cleared M-PESA but the Watu app still shows the bike immobilised.
Watu unlocks bikes within 2 hours of payment during business hours. If still immobilised after that, call Watu on 0729 444 444 with the M-PESA code and bike registration. Outside business hours, unlock waits until next morning.
You paid an instalment but the Watu app does not show it credited.
Watu credits weekly instalments within 1 hour. If longer, screenshot the M-PESA SMS and contact Watu via in-app chat or 0729 444 444. Standard manual fix is 2 hours during business hours.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
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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Visit Zenka FinanceFrequently asked about Watu
What is Watu's paybill number?
Watu's M-Pesa paybill is 650880. 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 650880, then your account (Your National ID number.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for Watu?
Your National ID number.
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 650 880. 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 650880 with your Your National ID number.. 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.
Read deeper
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Asset finance, microfinance, digital loans, non-bank logbook lenders, and the Kenyan lending ecosystem in 2026.
Pillar guide
Asset finance in Kenya: Watu, Mogo, OnFon, M-KOPA
How motorbike, phone, and asset finance works, major lenders compared, M-Pesa repayment, and the cost traps.
Further reading
Curated external sources we cite. Open in a new tab.
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Fuliza overdraft access fee + daily charges calculator.
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M-Shwari Calculator
M-Shwari savings interest + loan interest calculator (NCBA).
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Paybill displayed: 650 880 (mpesa paybill). How we verify.