All Banks
N
M-Pesa ↔ NCBA Bank

M-Pesa to NCBA Bank Transfer Guide

Everything you need to move money between M-Pesa and NCBA Bank — paybill numbers, USSD codes, step-by-step instructions and fee breakdowns.

880100
Paybill
*488#
USSD
Free
M-Pesa→Bank Fee
Instant to 10 minutes
Processing
1

M-Pesa → NCBA Bank

✓ Free
  1. 1Dial *334# on your Safaricom line
  2. 2Select "Lipa na M-Pesa"
  3. 3Select "Pay Bill"
  4. 4Enter Business Number: 880100
  5. 5Enter your NCBA account number
  6. 6Enter the amount
  7. 7Enter your M-Pesa PIN and confirm
Account Format
Your NCBA account number
Amount Limits
Min: KES 10 · Max: KES 300,000
NCBA and M-Pesa have a long-standing partnership — M-Shwari is powered by NCBA and Safaricom
For M-Shwari deposits specifically, use *456# not Paybill
NCBA Loop accounts may use a different account number format
2

NCBA Bank → M-Pesa

KES 30–108 depending on amount
  1. 1Dial *488# on your phone
  2. 2Select "Transfers"
  3. 3Select "Send to M-Pesa"
  4. 4Enter the recipient's phone number
  5. 5Enter the amount
  6. 6Enter your NCBA PIN to confirm
Processing Time
Instant
Max Per Transaction
KES 150,000
Also available on NCBA Mobile app
M-Shwari account holders can withdraw to M-Pesa via *456# → Withdraw

Frequently Asked Questions — M-Pesa & NCBA Bank

What is the NCBA Paybill number?

880100 is the NCBA Bank Paybill number for depositing money from M-Pesa into an NCBA bank account.

Is NCBA and M-Shwari the same thing?

No. M-Shwari is a savings and loan product jointly offered by NCBA and Safaricom, accessible via *456# or the M-Pesa app. It is separate from a regular NCBA bank account.

How long does M-Pesa to NCBA take?

Usually within 5 minutes. If delayed, check your M-Pesa confirmation message and call 0711 056 444.

NCBA Bank Customer Care
0711 056 444 · Available Mon–Sat

Other Bank Guides

E
M-Pesa ↔ Equity Bank
K
M-Pesa ↔ KCB Bank
C
M-Pesa ↔ Co-operative Bank
A
M-Pesa ↔ Absa Bank Kenya