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M-Pesa ↔ KCB Bank
M-Pesa to KCB Bank Transfer Guide
Everything you need to move money between M-Pesa and KCB Bank — paybill numbers, USSD codes, step-by-step instructions and fee breakdowns.
522522
Paybill
*522#
USSD
Free
M-Pesa→Bank Fee
Instant to 10 minutes
Processing
1
M-Pesa → KCB Bank
✓ Free- 1Dial *334# on your Safaricom line
- 2Select "Lipa na M-Pesa"
- 3Select "Pay Bill"
- 4Enter Business Number: 522522
- 5Enter your KCB account number as the Account Number
- 6Enter the amount
- 7Enter your M-Pesa PIN and confirm
Account Format
Your KCB account number (e.g. 1102625798)
Amount Limits
Min: KES 10 · Max: KES 300,000
KCB also offers a dedicated *522*3# menu for KCB M-Pesa linked accounts
For KCB M-Pesa savings account, use *522# → KCB M-Pesa instead of Paybill
Transfers above KES 200,000 may require branch confirmation
2
KCB Bank → M-Pesa
KES 30–108 depending on amount- 1Dial *522# on your phone
- 2Select "Transfer"
- 3Select "To M-Pesa"
- 4Enter the M-Pesa phone number
- 5Enter the amount to send
- 6Enter your KCB PIN and confirm
- 7Funds arrive in recipient's M-Pesa within seconds
Processing Time
Instant
Max Per Transaction
KES 150,000
Also available via KCB Mobile App under "Pay & Transfer"
KCB M-Pesa linked accounts can withdraw directly via *334# → Withdraw → KCB M-Pesa
Frequently Asked Questions — M-Pesa & KCB Bank
What is KCB M-Pesa and how is it different?
KCB M-Pesa is a savings account linked directly to your M-Pesa wallet, accessible via *334# or *522*3#. It earns interest and has its own loan facility, separate from a regular KCB bank account.
Can I deposit from M-Pesa to KCB without visiting a branch?
Yes — use Paybill 522522 with your KCB account number. The money reflects within minutes.
What happens if I enter the wrong account number for KCB Paybill?
The transaction may go to the wrong account or fail. Contact KCB on 0711 087 000 immediately with your M-Pesa transaction code.
KCB Bank Customer Care
0711 087 000 · Available Mon–Sat