Stanbic Paybill Number: The Ultimate Guide to M-Pesa to Bank Transfers

In the fast-paced Kenyan economy of 2026, mobile banking has become the backbone of financial freedom. For Stanbic Bank customers, the Stanbic Paybill Number is the primary tool for bridging the gap between M-Pesa and their bank accounts. Whether you are topping up your savings, paying school fees, or contributing to your digital Chama, knowing how to use this service correctly is essential to ensure your money reaches its destination instantly and safely.

This guide provides a comprehensive breakdown of the official paybill numbers, step-by-step deposit instructions, and a look at the various services you can access using the Stanbic Paybill Number 600100.

What is the Official Stanbic Paybill Number?

The primary Stanbic Paybill Number for all M-Pesa to Bank transactions is 600100.

While this number is most commonly used for individual account deposits, it also serves as the gateway for several specialized services within the Stanbic ecosystem. Below is a quick reference table for the various ways you might use this business number:

Stanbic Service Codes Reference

Service Type	Business Number	Account Number Format
Direct Bank Deposit	600100	Your 13-digit Stanbic Account Number
Stanbic Chama App	600100	555 + Your Registered Phone Number
School Fees	600100	The School Code provided by the institution
International (SimbaPay)	4012867	Follow SimbaPay App prompts

How to Use the Stanbic Paybill Number: Step-by-Step

Depositing money from M-Pesa to your Stanbic account is a straightforward process. Follow these steps to ensure a seamless transaction:

Open your M-Pesa Menu or the M-Pesa App.
Select Lipa na M-Pesa.
Choose the Paybill option.
Enter Business Number: 600100.
Enter Account Number: This is your full Stanbic Bank Account Number (e.g., 010000xxxxxxx).
Enter the Amount you wish to transfer.
Enter your M-Pesa PIN and confirm.
You will receive two confirmation messages: one from M-Pesa and one from Stanbic Bank.

Specialized Uses of Paybill 600100

1. Stanbic Chama App Contributions

For those using the Stanbic Chama App to manage group savings, you don’t need a separate paybill.

Use 600100.
For the account number, use the prefix 555 followed by your registered mobile number (e.g., 5550712345678).

2. Nairobi Expressway Top-Up

Stanbic provides a unique “ExpressPay” service. While you can use the Stanbic Paybill Number indirectly, the most efficient way to top up your MTC or ETC wallet is by dialing the Stanbic USSD code *208#. From there, you can follow the prompts to “Pay for Nairobi Expressway.”

3. KRA Tax Payments

To pay taxes via M-Pesa in 2026, the government has moved toward the central Paybill 222222. However, if you are generating an E-slip through Stanbic’s E-biller system, you can facilitate the payment directly from your bank balance using the Stanbic App or USSD, which automates the settlement to KRA.

Common Problems When Using the Stanbic Paybill Number and Solutions

Problem	Solution
Wrong Account Number	If the money goes to the wrong person, contact Stanbic Support (0711 068 888) immediately. You must also initiate a reversal request through Safaricom by forwarding the SMS to 456.
Transaction Delayed	Sometimes M-Pesa to Bank transfers take up to 30 minutes. If it exceeds this, check your M-Pesa statement to ensure the money was actually deducted before calling the bank.
Invalid Paybill	Ensure you are not using the old “CFC Stanbic” codes that may have been decommissioned. Always use the updated 600100.

Warning: Safety and Fees

Confirm Names: Always wait for the “Hakikisha” pop-up on your phone to confirm the recipient is Stanbic Bank or Stanbic Kenya before entering your PIN.
Transaction Limits: In 2026, the maximum M-Pesa per-transaction limit is KES 250,000. For amounts exceeding this, use Stanbic’s RTGS service via the mobile app.

Seamless Banking at Your Fingertips

The Stanbic Paybill Number 600100 is more than just a deposit code; it is a multi-functional tool that handles everything from group savings to daily utility payments. By keeping this number and your 13-digit account details handy, you can manage your transactions without ever needing to step inside a banking hall.