How to Load KCB Pepea Card using M-PESA

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Pepea is a prepaid debit MasterCard that’s offered by Kenya Commercial Bank (KCB). The Pepea Card can be used for various payments tasks such as shopping online to travelling and paying at point of sales.

Being a prepaid card, Pepea can be used by both KCB account holders and those without accounts. To facilitate this, KCB allows loading the Pepea card with money through the following ways:

  • At a KCB Branch
  • At KCB Mtaani Agents
  • Via KCB Mobile Banking
  • Via M-PESA

Loading the card with M-PESA is the most convenient choice of the three as its wireless and takes only a couple of minutes. Let’s take a look at how to do this.

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Debit KCB Pepea Card using M-PESA

kcb pepea card
KCB Pepea Card

1. Go to the Lipa na M-PESA (Paybill) option in your M-PESA menu.

2. Select the Pay Bill option.

3. Next select Enter business no. and enter 522522.

4. Now select Account. no then enter the 16-digit number of your Pepea Card.

4. Next enter the amount to top up your Pepea Card with.

5. Complete the transaction by entering your PIN.

You’ll shortly after this get a confirmation SMS from M-PESA confirming the transaction and another one from KCB confirming the payment and your new card balance.

kcb sms
KCB SMS

You can however also check your balance by dialling *522*2# or *522# if you’re a KCB account holder.

Should you not receive the top up or run into some other difficulty like forgetting your Pepea PIN, contact the KCB customer care at: 0732 187000, 0711 087000 or [email protected].

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What are the Charges for Loading KCB Pepea with M-PESA?

When you load your Pepea Card with amounts equal to or less than Ksh.100 the transaction cost is 0 thanks to M-PESA Kadogo. For amounts above Ksh.100 the transaction charges rise sharply with Ksh.101 for instance incurring Ksh.23 and Ksh.1000 costing Ksh.34.

Thus, if you are transferring low amounts you may want to consider doing multiple transactions.

To check the current rates, dial *234# then go to: My M-PESA Information > Tariff Query > Lipa na M-PESA then enter 522522 as the Paybill Number followed by the amount you wish to transfer.

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Kelvin Muriuki is the editor of Kenyan Fix and founder of Journey Bytes, a tech blog and web design agency that seeks to help individuals and businesses grow their online presence through affordable and user-friendly websites.


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