Need to move money from your M-PESA to your KCB bank account? It’s fast, simple and takes less than a minute. Whether you want to save, pay a loan or just deposit into your bank account, Safaricom’s Paybill option makes it easy.

This article gives you a step-by-step guide on how to send money from M-PESA to KCB, including the Paybill number, charges and helpful tips to make your transaction smooth.

Why Send Money From M-PESA To KCB?

Sending money from M-PESA to your KCB account allows you to:

  • Deposit funds instantly into your account

  • Repay loans on time

  • Save money safely

  • Avoid long queues at the bank

  • Send money to someone else’s KCB account

KCB Paybill Number

To send money from M-PESA to KCB, you’ll need the KCB M-PESA Paybill number:522522

This is the official business number used for KCB mobile deposits.

How To Send Money From M-PESA To KCB Account

Here’s how to do it in just a few taps:

Step-by-Step Guide

  1. Go to your M-PESA Menu on your phone

  2. Select Lipa na M-PESA

  3. Tap on Paybill

  4. Enter 522522 as the Business Number

  5. Enter your KCB Bank Account Number (the one you’re sending money to)

  6. Enter the amount you want to deposit

  7. Enter your M-PESA PIN

  8. Confirm all details and press OK

You’ll receive two SMS notifications:

  • One from M-PESA confirming the payment

  • One from KCB Bank confirming the money has been deposited into your account

Are There Charges?

Yes, standard M-PESA Paybill charges apply depending on the amount you’re sending. As of now, sending money to a bank account via Paybill attracts minimal fees compared to withdrawal.

For updated rates, check the Safaricom M-PESA tariffs page or dial *234#.

Pro Tips

  • Always double check your KCB account number before sending

  • If sending money to someone else’s KCB account, confirm the account number with them first* For frequent transactions, save the Paybill number and account number under M-PESA favorites

  • You can use the M-PESA App for faster and easier transactions

What If the Money Doesn’t Reflect?

In rare cases where the deposit delays:

  1. Wait a few minutes—it’s usually processed instantly, but delays can occur

  2. If it takes more than 15 minutes, call KCB customer care at +254 711 087000

  3. You can also call Safaricom customer care at 100 (Toll-Free) or visit a nearby agent

Have your M-PESA transaction message ready when calling—this makes it easier to track the payment.

Final Thoughts

Sending money from M-PESA to KCB is one of the easiest ways to fund your account without going to the bank. Whether you’re topping up your account or paying for services, use Paybill 522522 it’s fast, safe and available 24/7.