KCB Paybill number

Business number 522522. The account is the KCB account you pay into.

See what you get

Reviewed 16 Oct 2026, 5 min read

The short answer

The KCB Paybill number is 522522, and the account number is the KCB bank account you are paying into.

Safaricom lets each business choose who pays the Paybill charge, and KCB does not publish its choice. If the customer pays the full charge, it is KES 10 on KES 1,000 and KES 48 on KES 10,000. Other KCB numbers do other jobs: 522559 repays a KCB M-Pesa loan, and 522533 pays Lipa na KCB schools and merchants.

See what lands on M-Pesa

Type an amount for an estimate. Dovo shows your exact KES before you confirm.

USDT
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1 USDT = 127.89 KES
Your exact amount
Shown in Dovo before you confirm
Arrives
In minutes
You get about6,393
KES
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Two ways to do it

Same USDT. Very different trip to your phone.

Pay KCB from your M-Pesa balance

  • Business no. 522522
  • Up to KES 250,000
  1. Open M-Pesa, then Lipa na M-PESA, then Pay BillUse the SIM menu or the M-PESA app.
  2. Enter 522522 as the Business no.This is the KCB number for paying into a KCB bank account. Safaricom lists it in its mobile banking codes.
  3. Enter the KCB account number as the Account no.Type the KCB bank account number you are paying into.
  4. Enter the amountOne M-Pesa payment can be up to KES 250,000. You can move up to KES 500,000 in one day.
  5. Check the details, then enter your PINCheck the business number, the account number and the amount. Stop if anything is wrong.
  6. Keep the M-Pesa SMSThe SMS has a transaction code. It is your proof of payment if KCB asks for it.

Start from USDT: cash out with Dovo, then pay KCB

  • M-Pesa in minutes
  • One price upfront
  1. In Dovo, tap Add moneyTap Show my address, then Copy address. Dovo takes USDT on BNB Smart Chain (BEP-20) only.
  2. Send USDT on BNB Smart ChainOn Binance, the network is called BSC (BEP20). USDT sent on another network cannot be recovered.
  3. Tap Cash out, then My M-PesaEnter the amount in USDT, from 2 USDT. Tap Continue, then Review cash-out. You see what M-Pesa receives before you confirm. If Dovo asks, set up an authenticator app first.
  4. Pay 522522 from M-PesaWhen the KES lands, go to Lipa na M-PESA, then Pay Bill. Enter 522522 and the KCB account number.

From M-Pesa vs From USDT with Dovo

From M-Pesa compared with From USDT with Dovo
From M-PesaFrom USDT with Dovo
Money you start withKES in your M-PesaUSDT on BNB Smart Chain (BEP-20)
Business number522522522522, from M-Pesa
Account numberThe KCB account you pay intoThe KCB account you pay into
ChargeSafaricom Paybill charge, at most KES 108One Dovo price, then the same Paybill charge
LimitsKES 250,000 per payment, KES 500,000 per day2 to 200 USDT per 24 hours
TimeSMS when the payment goes throughM-Pesa usually in minutes, then you pay

Common problems

I entered the wrong account number

Call KCB at once and give them the M-Pesa transaction code from your SMS.

Safaricom's Pay Bill terms say a business must reverse a payment made in clear error within 72 hours. If it does not, Safaricom can complete the reversal.

You can also call Safaricom on 100 or 200. Have the transaction code and the wrong account number ready.

I paid the wrong Paybill number

Tell Safaricom right away. Its Pay Bill terms say it will use its best efforts to reverse a payment sent to the wrong Pay Bill.

A reversal is not guaranteed, so act fast and keep the SMS.

Which KCB number should I use?
  • 522522: pay into a KCB bank account. The account is the KCB account number.
  • 522559: repay a KCB M-Pesa loan. KCB says to use your ID number as the account.
  • 522533: Lipa na KCB, for schools and merchants with a KCB till. The account is the till number, then #, then the details they ask for. KCB's school example is 12345#John24810.
My USDT cash-out arrived, but I want to pay KCB directly from Dovo

Dovo cashes out to M-Pesa only. It does not pay a Paybill or a Till for you.

Pay 522522 from your M-Pesa after the KES lands. The Safaricom Paybill charge applies as usual.

Questions

What is the KCB Paybill number?

It is 522522. Safaricom's list of mobile banking codes shows 522522 as the M-Pesa to KCB Paybill, and *522# as the KCB USSD code.

What is the account number for KCB Paybill 522522?

It is the KCB bank account number you are paying into. For a KCB Mobi Chama, KCB says to enter the Chama account number.

How much does it cost to pay KCB Paybill from M-Pesa?

Safaricom lets each business pick who pays, and KCB does not publish its choice. If the customer pays the full charge, it is free up to KES 100, KES 5 on KES 101 to 500, KES 10 on KES 501 to 1,000 and KES 48 on KES 7,501 to 10,000. The most is KES 108.

What is the most I can send to KCB from M-Pesa?

Safaricom allows up to KES 250,000 per payment and up to KES 500,000 per day.

What Paybill number do I use to repay a KCB M-Pesa loan?

Use 522559, with your ID number as the account number. You can also repay from the M-Pesa menu: Loans and Savings, then KCB M-PESA, then Pay loan.

What is KCB Paybill 522533 for?

It is Lipa na KCB, for schools and merchants with a KCB till. For school fees, KCB says to enter the school's till number, then #, then the student's name and admission number.

Can I pay KCB Paybill with USDT?

Not directly. Cash out your USDT to M-Pesa with Dovo, then pay 522522 from M-Pesa. Dovo takes USDT on BNB Smart Chain (BEP-20) only. You can cash out from 2 USDT, up to 200 USDT in any 24 hours.

Can Dovo pay the KCB Paybill for me?

No. Dovo pays your M-Pesa on a Safaricom number. You then pay the Paybill yourself from M-Pesa. Dovo does not pay Airtel Money or T-Kash.

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