Types of KCB Bank Accounts Available

Kenya Commercial Bank (KCB) is the largest bank in Kenya with over 7 million account holders and a network of 192 branches spread out across the 47 counties

The bank has various banking services for individuals and businesses. These services are primarily offered through different types of banking accounts that are tailored for the needs of the customer.

The accounts offered by KCB can be grouped into three main types:

• Current Accounts - an account which you can deposit and withdraw money to and from at any time and provides the holder with a chequebook to make payments without using cash.
• Transactional Accounts - an account similar to the current account but usually with no access to cheque books
• Savings Accounts - an account for depositing savings with interest but with restrictions on withdrawals

Each of these three main types are further customized into different types of accounts for individuals and businesses. Let's take a look at them.

KCB Personal Accounts

These accounts are meant for individual persons. They include:

Current Accounts

1. Current Account
A current account for individuals with access to a chequebook and KCB Visa Debit Card.

2. Advantage Current Account
A personalized current account with a dedicated relationship manager and access to premium services at KCB Advantage Banking centres.

Transactional Accounts

1. Jiinue Account
An account targeting the employed and self-employed with low opening and operating balances, no restrictions on deposits and withdrawals and access to loans.

2. Bankika Personal Account
An account targeting the youth with no monthly fees (charges transactions instead), a low operating balance and with access to limited cheque book.

3. Mapato Account
An account tailored for individuals with salaries with no restrictions on deposits and withdrawals and with access to salary advance facilities including personal loans.

4. Student Account
An account targeting university and college students with no restrictions on deposits and withdrawals or monthly charges. It allows deposting of HELB loans and provides a KCB Visa debit card.

Savings Accounts

1. Goal Savings Account
A savings account with an attractive interest rate (7% p.a.), free standing order and a loan facility based on one’s savings.

2. Simba Savings Account
An interest earning account with a low operating balance and that is restricted to one withdrawal per month.

3. Advantage Simba Savings Account
A personalized savings account with competitive interest rates, a dedicated relationship manager and access to premium services at KCB Advantage Banking centres.

4. Cub Account
A savings account for children below the age of 18 years. It includes a free life insurance cover and a free kit to save at home.

Other Personal Accounts

1. KCB Platinum Account
A premium product with options for current and transactional accounts. It includes a dedicated relationship manager, exclusive KCB platinum centres and express counters.

2. Fixed Deposit Account
An account that allows for saving unlimited amounts over fixed periods with competitive interest rates (6% p.a).

3. Advantage Mortgage Account
An account with discounted interest rates on mortgage.

KCB Diaspora Banking

These accounts target Kenyans residing abroad.

1. Diaspora Transactional Account
A transactional account available in the major foreign currencies (USD, Euro & GBP) with access to internet and mobile banking.

2. Diaspora Junior Account
An interest earning savings account targeting parents with children living abroad. It's automatically upgraded to the diaspora transactional account when the child turns 18 years old.

Mobile Banking Accounts

1. KCB M-Benki Account
Part of KCB Mobile banking, this type of account can be opened conveniently using one’s mobile phone. Depositing and withdrawal is available through Safaricom M-PESA services and KCB Mtaani Agents. Has access to loans and supports transferring money to other bank accounts.

The account however has restrictions on some services which can be removed by doing an account update at a KCB branch.

2. KCB M-PESA
An account available on the M-PESA menu that gives Safaricom customers easy access to instant loans from KCB. The account however also includes saving options with interest rates (6.3% p.a.).

KCB Business Accounts

These accounts target business people, investment groups, corporates and other institutions. They are grouped into the following categories:

• Micro
• SME (Small and Medium Enterprises)
• Agri
• Corporates
• Investment

A. Micro

Current Accounts

1. Tuungane Current
This is a current account that targets investment groups (chamas). It provides access to a chequebook and has no monthly charges or restriction on withdrawals.

In addition to mobile banking, it can be managed through the KCB Mobi Chama service.

Transactional Accounts

1. Boresha Biashara
A transactional account targeting small scale businesses with non-registered businesses. It has low operating balance and provides access to business loans.

2. Bankika Business
This account targets the youth who have non-registered and sole proprietorship businesses. It has no monthly charges, minimum operating balance or restrictions on withdrawals and deposits. It also provides access to business loans.

3. Tuungane Investment
A savings account that targets investment groups that are registered or unregistered.

B. SME

Current Accounts

1. Business Current Account
A current account for registered businesses. It's ideal for businesses with a high number of transactions and has no minimum operating balances. It also provides access to business loans and overdrafts

2. Business Privilege Account
A business account that targets registered businesses with high transaction volume. It has a flat fee for all monthly transactions costs and provides access to an unlimited cheque book.

3. School Current Accounts
An account for registered schools to facilitate collection of fees. It has no charges.

Transactional Accounts

1. Entrepreneur Account
This is an affordable business account that charges per transaction and has no maintenance fees.

2. Community Account
An account targeting registered non-profit organisations, charities and religious bodies. It has no charges.

C. Agri

1. Mavuno Account (Farmers Account)
An account tailor made for farmers with no minimum operating balance and maintenance fees. It also waiver charges for account activation as these accounts become dormant periodically.

D. Corporate Accounts

1. Current Account
An account for businesses with custom chequebooks and online statements.

2. Transactional Account
A transactional account for businesses with no minimum operating balance, standing orders, and a custom chequebook.

E. InvestmentAccounts

1. Business Account
An interest earning savings account for businesses.

2. Fixed and Short Term Deposit Account
An account that allows for saving unlimited amounts over fixed periods (long or short term) with competitive interest rates (6% p.a). It offers flexible investment periods of between one month to a year.

3. Call Deposits Investment
An interest earning account for saving investment funds but that allows for withdrawals alike a current account.

How to Withdraw Money from HF Whizz to M-PESA

HF Whizz is the mobile banking application by HFC Bank. Available to existing customers and non-customers, the app includes services ranging from opening and managing bank accounts to applying for instant loans.

As part of managing one's account, the app allows customers to conveniently deposit and withdraw money from the linked account. These transactions are made possible through the use of M-PESA services.

Depositing is done through the bank's paybill number while withdrawing sends the money to one's  registered Safaricom number or to a different M-PESA number.

Let's take a look at how the latter is done.

Transfer Money from HFC Account to M-PESA using HF Whizz

1. Launch the app and select the SEND MPESA option.

Send to M-PESA

2. In the next menu, select the account to withdraw funds from.

Select HFC Account

Select the SELF option to send money to your registered M-PESA number. Otherwise, select the OTHER option and just below it enter a different Safaricom number or select it from your Contacts

3. You'll now be prompted to confirm details of the transaction. At the bottom, the app tells you how much fees your account will be charged for the Send to M-PESA.

Confirm Details

Tap on the PROCEED button to continue.

4. Next enter your HF Whizz PIN to complete the request.

Shortly after this you'll receive an SMS from HFC confirming a successful debit and another from M-PESA confirming the received amount from 100401.

Confirmation SMS from MPESA and HFC

If you registered your email address, you'll also receive a new email from mybank@hfgroup.co.ke confirming the transfer from your account.

If the transaction is not successful or you encounter some other problem, you can get help by contacting the HFC Customer Care on the toll free number 0800721400.

Safaricom vs Airtel vs Telkom All-in-One Monthly Bundles

Safaricom has just released its new all in one monthly bundles. These types of bundles are however not new to the market.

Airtel all in one-monthly bundles have been offered for years now in their UnlimiNet plans while Telkom introduced these plans last year.

The all in one monthly bundles include data, minutes and in some cases SMS in one convenient plan. This way no extra costs are incurred other than those from premium services and mobile money transactions.

These bundles are therefore quite economical and ideal for those that need to keep within a fixed budget every month. With that said, the plans vary amongst the operators in terms of their offerings and pricing.

To know which plan best works for you or one that offers the best value for your money, here's how the bundles compare across the three operators.

Bundles Comparison

BUNDLE	SAFARICOM	AIRTEL	TELKOM
Ksh.400		1GB + 100 Min
Ksh.500	2GB	0.5GB + 100 Min + 500SMS	3GB + 100 Min
			4GB
			333 Min
Ksh.1000	1GB + 400 Min	6GB (+1GB) + 400 Min + 2000 SMS	7GB + 300 Min
	2GB + 200 Min		10GB
	5GB
Ksh.2000	3GB + 1000 Min	12GB (+3GB) + 1200 Min + 1000 SMS	25GB
	12GB + 600 Min
	15GB
Ksh.3000	5GB + 1500 Min		40GB
	20GB + 900 Min
	25GB
Ksh.5000	35GB + 1500 Min
	10GB + 2500 Min
Ksh.10000	50GB + 3500 Min
	20GB + 7500 Min

Note:

• Additional data offer for Airtel bundles is valid until 28th March 2019.
• Safaricom and Telkom minutes can be used across all networks.
• Airtel minutes can likewise be used across all networks with the exception of the Ksh500 bundle whose minutes are split equally for on-net and off-net (i.e 50 min on-net and 50 min off-net).
• The Airtel Ksh400 bundle minutes are off-net but includes 100 mins every day for Airtel to Airtel calls.
• Telkom bundles includes free Night Data from 12.00am to 6am.
• Safaricom data bundles include free WhatsApp once the data is exhausted. 
• Airtel bundles include free WhatsApp, Facebook and Twitter of up to 100MB daily once the data is exhausted.
• All plans can be purchased by dialling *544#.

How to Deposit Money into HFC Account using M-PESA

HFC, the banking subsidiary of HF Group (formerly Housing Finance), launched their mobile banking application dubbed HF Whizz.

The app along with the *618# USSD offers a wide array of banking services to existing and new customers. Some of these services include opening new accounts, applying for loans, depositing and withdrawing money to and from one's account among other services.

Previously, these services were only available to account holders who had registered to access mobile banking services with the *232# USSD code.

Using the app or USSD, new customers can now open accounts without visiting the bank and deposit money into their new staright from M-Pesa.

Existing customers can likewise use the app to deposit money into their savings, current, salary and other types of accounts.

Let's see how depositing money to our HFC accounts is done.

Transfer Money from M-PESA to HFC Account

Depositing of money to an HF account is done through Lipa na M-Pesa Paybill. This can be completed by either using:

• the HF Whizz app or, by
• manually entering the details in your M-PESA Menu

Safaricom will charge you a transaction cost for transferring the funds. You can query the charge for a specific amount by dialling *234# then going to: My M-PESA Information > Tariff Query > Lipa na M-PESA

Deposit using the HF Whizz App

1. Launch the app and select the DEPOSIT option.

Deposit

2. Select the account to deposit funds to followed by the amount to transfer then tap on the SUBMIT button.

Select account to deposit

3. You'll be prompted to confirm the deposit. Confirm the details the tap on the PROCEED button to continue.

4. Next you'll be alerted that the request has been received and is being processed. Tap on the Okay button to continue.

Request Sent

5. Finally you'll be redirected to the M-PESA menu to enter your M-PESA PIN to complete the transaction.

Enter PIN

Now just wait for the confirmation SMS's.

Deposit using the M-PESA Menu

This is useful if you cannot use the app or don't have an internet connection to complete the transaction via the app.

1. Go to the Lipa na M-PESA option in your M-PESA menu and select the Pay Bill option.

2. Enter 100400 as the Business number followed by your HF Account Number as the account.

3. Next enter the amount of money to deposit.

4. Finally, enter your M-PESA PIN to complete the transaction.


After completing the transactions using either of the two methods, you should get confirmation SMS's from M-PESA and HFC. If you've your email registered, you'll also get a new email from mybank@hfgroup.co.ke alerting you of the amount credited into your account.

To confirm your new balance, just go to the VIEW ACCOUNT option in the app and enter your HF Whizz PIN. Checking your balance with the app is free.

Should you encounter any difficulties depositing funds, please contact the HFC Customer Care on the toll free number 0800721400.

How to Subscribe to Safaricom's Storo Data Bundle

Safaricom's Stori Ibambe service has been with us since 2015. Over the course of that 3-year period little changed about the service up until September 2018 when the operator announced the good news that Storo bonus airtime could now be used for data bundles.

Aptly dubbed Storo Data bundle, users subscribed to Stori Ibambe can now choose to use their bonus airtime for data in addition to local calls and SMS.

The terms and conditions of the service however remain unchanged. This means therefore:

• the bonus is only valid for a day and is only awarded after you've achieved your daily target
• the bonus data expires at 11:59 PM i.e. the bonus data is not rolled over to the next day and must therefore be used before midnight.
• you cannot sambaza your storo data bundle
• using your storo bonus for data won't earn you any bonga points

Note however that Stori Ibambe is only available to prepay customers. Let's see how to activate the service.

Step 1: Subscribe to Storo Ibambe

First we need to subscribe to the service. To do this:

1. Dial *460# on your Safaricom prepay line and reply with 4 to subscribe.

2. You'll then get a message that you've been successfully subscribed to STORO Bonus promotion.

Step 2: Reach Your Daily Target

In order to get your storo bonus airtime, you'll need to achieve your daily storo bonus target before midnight. The earlier you achieve it the more time you have at your disposal to make use of your bonus data.

You can check your daily target by dialling *460*1#.

Safaricom will however notify you the remainder of what you need to spend to reach your daily target every time you use their services e.g. after making a call

Storo target notification

You can also check how much you've spent by dialling *460*5#.

Step 3: Subscribe to a Storo Data Bundle

Once you've reached you daily target, you can subscribe to a data bundle by doing the following:

1. Dial *460# and reply with 6 for Storo Data Bundle.

Storo Data

You can also dial *460*6# or *544# then select Storo Data on the second page.

2. Depending on your target you'll be provided with bundles that you can subscribe to.

How to Check Storo Bonus Balance

To check your storo bonus balance, including your storo data bundle, just dial *460*2#. You can also dial *460# first then reply with 2 for Check my STORO Bonus Balance.

Can I Adjust my Storo Bonus Target?

The simple answer to this is NO.

This is because your storo bonus target is automatically determined by the average amount you spend daily on your Safaricom line. You can't therefore manually adjust to increase or lower your daily target.

The lowest daily target is set at Ksh.35 and can reach highs of Ksh.90. The thing to note however is that the more you spend on average the higher your target will be.

As such, if you need to lower your target you'll have to respond by spending less every day until your target is revised down. Likewise, to increase the target you'll have to spend more on average until it's revised upwards.

How to File Nil Returns on KRA iTax in 2019

Every year individual Kenyans and business are required to file their previous year's tax returns in accordance with the law. For individuals, this applies to every one with a KRA PIN regardless of their income status.

Those without employment or any source of income but have a KRA PIN are therefore required to file a NIL return. This usually includes:

• university/college students who applied for the PIN during their HELB Loan applications
• unemployed individuals that acquired the PIN when requesting  for the Tax Compliance Certificate that's required in most government/county job applications.
• persons formerly employed that are currently unemployed and with no source of income

The 2019 tax filing season begins in January 1st with the deadline set at June 30th. It's important that the tax returns are filed within this duration otherwise one risks a fine of Ksh. 20,000.

However, in accordance with new regulations released in June last year (2018), taxpayers will from 2019 be allowed to apply for extensions past this deadline. This extension however has to be applied 30 days prior to the deadline for individuals.

Still, there's no need to wait for the last minute more so if you are filing zero returns. Here's how to do it in a few minutes.

Filing a Nil Return

1. Go to KRA's iTax Portal and enter your KRA PIN then click Continue.

2. Next type in your KRA Password then complete the security question to log in.

Log in

3. Inside your iTax dashboards menu, click the Returns option then under it select File Nil Return.

File Nil Return

4. A form will be loaded where you are required to fill:

• the type of return (i.e. self)
• your KRA Pin, and
• your tax obligation.

Taxpayer Details

The first two fields will automatically be filled for you.

5. Under the Tax Obligation field, select your obligation as the Income Tax - Resident Individual option then click Next.

Tax Obligation type

6. In the next page, a new form will be loaded where you're the following details are filled:

• your Personal Identification Number (KRA PIN).
• your Wife's PIN - leave it blank if you're not married.
• Return periods - this will be automatically filled and should be from 01/01/2018 to 31/12/2018 for 2018 tax returns. If not click the calender icon to fill the details.

e-Return Form

When you're done, click the submit button to proceed.

7. Your request will be processed and if successful an e-Return Acknowledgement Receipt with the filed return details and summary will be generated.

Download the receipt and print it or save the PDF somewhere safe.

Remember to always file your nil returns months or weeks before the 30th June date as the iTax site tends to be overloaded and sometimes inaccessible as the deadline date draws near.

Fuliza M-PESA Transactions, Charges and Repayment

In late 2018, Safaricom in partnership with Commercial Bank of Africa (CBA) launched a new M-Pesa product dubbed Fuliza.

Contrary to what many have concluded, Fuliza is NOT a loan product like M-shwari or KCB M-Pesa rather it's an overdraft service for your M-Pesa transactions. So what does this mean?

An overdraft service is usually a service that customers get into agreement with their banks allowing them to spend money beyond what they actually have available in their accounts i.e. to overdraw their accounts.

In the case of M-PESA, this means you can complete a transaction that has a higher amount than what you've in your balance by "topping up" the deficit using the Fuliza service. In a loose sense one may think of it as a loan that's only confined to completing M-Pesa transactions.

The service is however not free and attracts a variety of fees which you should be aware of before subscribing to the service by dialling *234*0#.

Fuliza Transactions and Overdraw Limit

Fuliza M-pesa

The M-PESA transitions one is allowed to complete with using Fuliza include:

• Sending Money
• Lipa na M-pesa Paybill
• Lipa na M-pesa Buy goods and Services

There is however a limit to the amount one can Fuliza. This overdraw limit is determined by a credit score based on how one uses Safaricom services such as M-Pesa, M-Shwari as well as one's Fuliza repayment history.

One can therefore Fuliza on multiple occasions provided one is still within their overdraw limit.

To increase one's Fuliza limit, Safaricom suggests one use Safaricom and M-Pesa services more frequently and to repay Fuliza amounts on time.

One can check their Fuliza limit and get their mini-statements by dialling *234#.

Understanding the Fuliza Charges

Safaricom charges two fees when one chooses to use Fuliza to complete any of the above transactions. This include:

• a 1% access fee
• a daily maintenance fee

Access Fee

The 1% access fee is a one-time fee that is charged on the amount overdrawn ("borrowed").

For instance, if you overdraw Ksh.1000 you'll be charged an access fee of Ksh.10 (1/100x1000=10)

Daily Maintenance Fee

As the names alludes to, this fee is the daily cost of maintaining the amount overdrawn until the day when you repay the amount.

The maintenance fee however only lasts for a maximum of 30 days which is the period during which one should have repaid the total Fuliza amount. Beyond this period, one will be considered a defaulter and  acess to their Fuliza overdraw limit will be suspended.

The daily maintenance fee is calculated from a tariff meaning the higher the amount overdrawn the higher the daily maintenance fee. The daily fees charged are as follows:

Fuliza Amount	Tariff (rate per day)
0-100	One-time fee of Ksh 2
101-500	Ksh.5
501-1000	Ksh.10
1001-1500	Ksh.20
1501-2500	Ksh.25
2501-70000	Ksh.30

Based on the rates above, if for instance you overdraw an amount of Ksh.1000, you'll be charged Ksh.10 every day until the day you pay back.

Repaying the Fuliza Amount

The Fuliza amount is repaid automatically by deducting from your available M-PESA balance. Therefore, any amount deposited or received in your M-PESA account will be first used to repay Fuliza.

Depending on the funds available, the fees take first priority when deducting followed by the amount overdrawn.

If the funds available are sufficient to repay the total amount, then the whole Fuliza amount and fees is repaid. This way one doesn't incur additional daily maintenance fees.

Example of a Fuliza Transaction

Let's now see a real world example to better understand how Fuliza works and the total amount one is charged to use the service.

Scenario:
You're paying a bill for Ksh5,000 and since your current balance is Ksh2,000 you decide to complete the transaction with your Fuliza limit.

On the 30th day since completing this transaction, you deposit your account with Ksh10,000 to repay the Fuliza total amount.

Transaction:
Fuliza Amount: Ksh3000
Amount Tariff: Ksh30

Access Fee: 1/100 x Ksh3000 = Ksh30
Maintenance Fee: 30 days x Ksh30 = Ksh900
Total Fees (Overdraft Interest): Ksh30 + Ksh900 = Ksh930

Total Amount Repaid: 930 + 3000 = Ksh3930
New M-PESA Balance: 10000 - 3930 = Ksh6070

Kenyan Banks that Offer Instant Loans on Apps and USSD

Following the success of M-shwari, mobile loan apps such as Tala and Branch have in recent years become very popular thanks to their readily accessible soft loans. Their huge success has spurred growth in this segment resulting in countless micro-lending apps that offer similar instant loan services.

Amid this growth, banks and microfinance institutions haven't been left behind and many have since incorporated loan services into their mobile banking apps and USSD platforms. These services are however mostly limited to account holders unlike in the case of the aforementioned loan apps.

Consequently, a gap exists for users that cannot access loan facilities via loan apps. Such users comprise mostly of a sizeable segment of the population that still use feature phones or that can't access internet.

To fill this gap, some banks and other credit institutions now offer instant loans via USSD in addition to their banking and loan apps. Depending on the bank, the loans may be available to existing account holders, non-customers or both.

Where accounts need to be opened, the process can be done right from the device without having to visit the banking halls. Let's take a look at some of these banks.

Banks with Instant Mobile Loans

Mobile Loans

1. Barclays Timiza

Barclays launched a mobile loan service called Timiza that is separate from their mobile banking. Consequently, one does not need to open an account to access the Timiza instant loans.

The service is however only available for Safaricom M-Pesa customers and be accessed either via the Timiza app or by dialling the *848# USSD code on a their Safaricom line.

2. Family Bank's PesaPap Wallet

Family Bank joined the micro-lending segment by expanding their mobile banking service PesaPap to non-customers. This new service dubbed PesaPap Wallet is a virtual account that provides a host of banking services including instant loans.

Users can open a PesaPap wallet account via the PesaPap app or the or the *325# USSD code. Like most loans of these nature, the PesaPap mobile loans need to be repaid over a 30-day period.

3. HFC Bank's HF Whizz

HFC (Housing Finance) unveiled their banking app, HF Whizz App, which offers loan services among other banking services for its customers. The app provides a simple way to open an account for non-customers so that one can quickly start applying for loans.

Users that cannot use the app can however access the HF Whizz services, including the loan services via the USSD code platform by dialling *618#.

4. KCB M-PESA and Mobi Loans

KCB (Kenya Commercial Bank) partnered with Safaricom to offer instant loans easily via the KCB M-PESA service that is integrated right into M-PESA.

This facility is available in by going to the Loans and Savings options inside the M-Pesa menu then selecting KCB M-PESA to activate the product.

KCB and non-KCB customers can however still access their mobile loan service Mobi loans via their mobile banking service that's available via the KCB Banking app or the *522# USSD code.

Non-customers are however still required to open an account with the bank before they can access the Mobi loan services. For those that cannot use the app to do this, the good news is that one can also quickly open a KCB M-Benki Account using Lipa na M-Pesa.

5. Equity EazzyLoan

Equity is unlike the other banks listed here as it runs its own mobile network called Equitel. Consequently, one can only access their mobile loans via Equitel.

In addition to this, Equity requires one to have had an active bank account and Equitel line or Eazzy banking app for a minimum of 6 months before they can qualify for a loan.

The account can be opened on other mobile networks by simply dialling *237# after which one is required to collect an Equitel line from one of the bank's branches.

These steep entry requirements can however be explained by the fact that the Equity offers one of the highest instant loan amounts. Provided the aforementioned conditions are met, one can access Eazzy loans of up to  Ksh3 million via the Equitel line or the Eazzy Banking app with repayment periods of up to 12 months.

USSD Code Charges

Dialling any of these codes will attract charges from your mobile network operator. It should also be noted that some of these codes are only meant to work on a particular operator. Such is the case with Barclay’s Timiza which is only available on Safaricom.

Charges for these mobile banking USSD codes usually range between Ksh.2 and Ksh.1 on Safaricom. You can however query the charges for a particular USSD on Safaricom for free.

With that said, most of these services are only integrated with M-PESA. As such, while they can be accessed on other networks, transferring of funds and repayment of loans may only be available via M-PESA products such as Lipa na M-Pesa Bank Paybill Numbers.

Hopefully, the mobile banking sector will embrace other mobile money services such as Airtel Money and Telkom's T-kash.

M-PESA PayBill Numbers for Kenyan Banks

Safaricom's M-Pesa has been key at promoting the growth and acceptance of mobile banking in Kenya. Being the most popular mobile money platform, banks have integrated the M-Pesa platform into their mobile money services.

To allow for this seamless integration, banks rely on unique Bank USSD Codes and Paybill numbers that their customers access via registered mobile numbers linked to their accounts.

The Lipa na M-Pesa paybill numbers allow account holders to carry out transactions that are not feasible through mobile banking USSD Codes and Banking apps (i.e. M-Pesa to Bank) such as:

• Depositing money from M-Pesa to Bank Accounts
• Repayment of Mobile Loans
• Loading Cash into Prepaid Debit Cards (e.g. KCB Pepea)

Let's take a look at these paybill numbers for various banks and microfinance banks (DTM) in Kenya.

Bank Paybill Numbers

Paybill Numbers

Bank	Paybill No.
Equity Bank	247247
KCB	522522
Co-operative Bank	400200
Family Bank Ltd	222111
National Bank	547700
Barclays Bank Kenya LTD	303030
Standard Chartered Bank	329329
CFC Stanbic	600100
Commercial Bank of Africa	880100
NIC Bank Limited	488488
Diamond Trust Bank (DTB)	516600
Housing Finance Company (HFC)	100400
Consolidated Bank LTD	508400
Bank of Africa (BOA)	972900
I & M Bank Limited	542542
Imperial Bank	800100
Chase Bank	552800
Credit Bank	972700
Ecobank	700201
First Community Bank Ltd	919700
K-rep Bank	111999
Post Office Savings Bank	200999
Jamii Bora Bank	529901
Gulf African Bank	985050
Equatorial Commercial Bank	498100
Transnational Bank	862862
UBA Bank	559900
CITIBANK N.A Kenya	100229
ABC Bank	111777
GTBank Kenya	910200
Prime Bank	982800
Guardian Bank	344501

Microfinance Paybill Numbers

Microfinance Banks (DTM)	Paybill No.
Faulu Microfinance Bank	328585
Kenya Women Microfinance Bank (KWFT)	101200
Rafiki Microfinance Bank	802200
Musoni Microfinance	514000
SMEP Microfinance Bank	777001
Vision Fund Kenya	200555
Century Microfinance Bank	888600
Uwezo Microfinance Bank	504600