Since its debut in 2015, the Kenya Commercial Bank has worked around the clock to ensure its customers have a fast, reliable, and secure payment system for conducting various transactions. With the KCB Paybill number, you can do mobile transactions without leaving the comfort of your home.
The Kenya Commercial Bank M-pesa Paybill number is 522522. Using this number, you can transfer money from your M-pesa account to any KCB bank account, including your own. It takes somewhere between ten and sixty seconds for the transaction to complete.
In this guide, I show you exactly how to use the 522522 Paybill number to complete transactions with KCB M-pesa.
Let’s get to it.
How to Withdraw Money from KCB to M-pesa
There are three ways to withdraw money from KCB to M-pesa.
You can:
1. Use the *522# USSD Code
You can withdraw money from your KCB bank account to your M-PESA account via the USSD code by following these steps:
- Dial *522#.
- Enter your Kenya Commercial Bank PIN and confirm.
- Select “MyKash” option.
- Choose M-pesa from the list.
- Select where you would like to send money, which can be your phone number or another person’s contact.
To withdraw money to your M-pesa account, you should select the “My Phone” option. To send money to a different number, choose “Another Phone Number.
- Enter the amount of money you wish to send to the phone number.
- Confirm the transaction to complete.
2. Use the SIM Toolkit
You can also withdraw money from KCB to your M-pesa account via the SIM toolkit.
To do this:
- Open the SIM toolkit on your phone and select Safaricom.
- Go to M-pesa.
- Select Loans and Savings
- Choose KCB M-pesa.
- Select Withdraw to M-pesa.
- Enter how much money you would like to Withdraw to your M-pesa.
- Enter your PIN to complete the transaction.
3. Use the KCB Mobile App
If you own a smartphone, you can use the KCB mobile app to send money from your Kenya Commercial Bank account to M-pesa.
- Open the KCB app on your smartphone.
- Select Transact.
- Choose M-pesa.
- If you wish to withdraw to your M-pesa account, choose self. If you want to send money to a different contact, select “other”.
- Enter the amount you wish to send and confirm by selecting “proceed”.
- Enter your PIN to complete the transaction.
Here’s is a walkthrough video from KCB that I found worth watching:
How to Deposit Money to KCB from M-pesa
There are three ways to deposit money from M-pesa to your KCB account. But you’ll use the same Paybill number to complete the transaction.
You can:
1. Use the SIM Toolkit
To use the SIM toolkit to transfer money from M-pesa to KCB:
- Go to Safaricom.
- Select M-pesa.
- Select “Lipa na M-pesa”.
- Choose Pay Bill
- Enter the KCB Paybill number. The number is 522522.
- Enter the account number to which you would like to send money.
- Enter amount.
- Type your PIN to confirm the transaction.
2. Use the USSD Code
The second option is to use the USSD code. For this:
- Dial *334#.
- Select “Lipa na M-pesa”.
- Choose Pay Bill
- Enter the KCB Paybill number, which is 522522.
- Enter the account number to which you would like to send money.
- Enter amount.
- Type your PIN to confirm the transaction.
3. Use the M-pesa Mobile App
The third option is to use the M-pes mobile app, which is available for both iOS and Android smartphones.
Here’s how it works:
- Launch the M-pesa app on your phone.
- Enter your PIN to access your account.
- Select Transact.
- Choose Pay Bill
- Enter the KCB Paybill number, which is 522522.
- Enter the account number to which you would like to send money.
- Enter amount.
- Type your PIN to confirm the transaction.
KCB to M-pesa Charges
The following table is a summary of the KCB to M-pesa charges effective January 2023:
| Band in KES | Charges in KES | ||
| Old | New | ||
| 1. | 1 – 100 | 54.32 | Free |
| 2. | 101 – 500 | 54.32 | 11.20 |
| 3. | 501 – 1,000 | 54.32 | 13.60 |
| 4. | 1,001 – 1,500 | 62.88 | 16 |
| 5. | 1,501 – 2,500 | 62.88 | 26 |
| 6. | 2,501 – 3,500 | 62.88 | 38 |
| 7. | 3,501 – 5,000 | 62.88 | 50 |
| 8. | 5,001 – 7,500 | 62.88 | 64 |
| 9. | 7,501 – 20,000 | 62.88 | 76 |
| 10. | 20,001 – 150,000 | 62.88 | 78 |
Note that these are the new fees for sending money from your Kenya Commercial Bank account to your M-pesa or another person’s M-pesa number.
As of this writing, it’s no longer free to send money from M-pesa to your KCB bank account or the bank account of another person.
Here are the current charges:
| Max band (KES) | Min band (KSH) | Current tariff (KES) | New tariff (KES) |
| 1 | 100 | 0 | 0 |
| 101 | 500 | 23 | 4 |
| 501 | 1,000 | 23 | 9 |
| 1,001 | 1,500 | 35 | 14 |
| 1,501 | 2,500 | 35 | 19 |
| 2,501 | 3,500 | 56 | 24 |
| 3,501 | 5,000 | 56 | 33 |
| 5,001 | 7,500 | 85 | 40 |
| 7,501 | 10,000 | 85 | 46 |
| 10,001 | 15,000 | 113 | 55 |
| 15,001 | 20,000 | 113 | 60 |
| 20,001 | 25,000 | 113 | 65 |
| 25,001 | 30,000 | 113 | 78 |
| 30,001 | 35,000 | 113 | 87 |
| 35,001 | 40,000 | 202 | 96 |
| 40,001 | 45,000 | 202 | 105 |
| 45,001 | 50,000 | 202 | 105 |
| 50,001 | 150,000 | 210 | 105 |
Frequently Asked Questions
1. How Long Does it Take to Complete the Transaction?
It takes less than 60 seconds for the transfer of money between KCB and M-pesa to complete. There may be instances of delays. However, in rare cases such delays last for longer than 30 minutes.
As long as you’ve confirmed that the transaction is to the correct account number, you shouldn’t be worried about the delays anyways.
2. Are KCB to M-pesa Transactions Secure?
Transactions between KCB and M-pesa are secure. You can transfer money without worrying about data security, as your information is 100% secure.
Closing Thoughts
I hope this guide has been useful in helping you understand more about the KCB mobile banking solution.
And remember, whether you want to transfer money from a KCB account to an M-pesa account or vice versa, you can do so in different ways, not to mention that it takes not more than 60 seconds for the transaction to complete.
Happy mobile banking with KCB and M-pesa.