NCBA Bank Paybill Number: 880100
NCBA Bank’s M-Pesa paybill number is 880100. It deposits money from M-Pesa into any NCBA account using your account number as the reference. NCBA is also one of the few Kenyan banks with two active USSD codes side by side, a legacy of its 2019 merger between CBA and NIC Bank.
How to Pay NCBA Bank From M-Pesa
Go to Lipa na M-Pesa
On your Safaricom SIM Toolkit, open the M-PESA menu, select Lipa na M-PESA, then Pay Bill.
Enter business number 880100
Type in NCBA’s paybill number, 880100, as the business number.
Enter your NCBA account number
Type your NCBA Bank account number as the account number, then the amount.
Enter your M-Pesa PIN and confirm
Enter your PIN and confirm the details to complete the transaction.
Check your confirmation SMS
Funds are credited directly into your NCBA account, and you’ll get an M-Pesa confirmation SMS.
Two USSD Codes: *654# and *488#
NCBA Bank Kenya was formed from the 2019 merger of Commercial Bank of Africa (CBA) and NIC Bank. Rather than force every customer onto a single new code, NCBA’s own Channels FAQ confirms mobile banking is still split by legacy customer base: *654# for customers who originally banked with CBA, and *488# for those who originally banked with NIC. Both give access to balances, transfers, and mobile banking security settings — the code you use just depends on which bank you originally joined.
How Fees Actually Work
NCBA’s own published Tariff Guide lists a Mobile Payments Incoming charge for Paybill of KES 40, alongside a separate Buy Goods charge of 0.5% of transaction value. This is NCBA’s own bank-side charge, and it applies in addition to whatever Safaricom’s standard Lipa na M-Pesa paybill tariff adds on the M-Pesa side.
Troubleshooting
I entered the wrong account number — what now?
Contact NCBA’s customer contact centre immediately with your M-Pesa transaction code so they can trace the payment. A deposit sent against an incorrect account number will not automatically move to the right account.
My M-Pesa payment isn’t reflecting in my NCBA account
Check your M-Pesa confirmation message to confirm 880100 and your account number were entered correctly. If they’re correct and the deposit still hasn’t reflected, contact NCBA directly with your M-Pesa transaction code.
Which USSD code do I use if I’m not sure whether I was originally CBA or NIC?
If you’re unsure, try either code — *654# or *488# — and log in with your registered mobile number. If neither recognises your account, contact NCBA’s contact centre for confirmation of which legacy system your account sits on.
Contact NCBA Bank Directly
FAQ
What is NCBA Bank’s paybill number?
NCBA Bank’s M-Pesa paybill number is 880100. Use it with your NCBA Bank account number as the account reference.
Why does NCBA have two different USSD codes?
NCBA Bank was formed from the merger of CBA and NIC Bank. It has kept two separate mobile banking USSD codes for the legacy customer bases: *654# for ex-CBA customers and *488# for ex-NIC customers.
Is the NCBA prepaid card paybill the same as 880100?
No. NCBA’s own Key Facts Document for its prepaid card lists a separate M-Pesa paybill, 445992, specifically for topping up the card, distinct from the general banking paybill 880100.
Does NCBA charge to receive M-Pesa deposits?
NCBA’s own published tariff guide lists a Mobile Payments Incoming Paybill charge of KES 40, separate from Safaricom’s standard M-Pesa paybill tariff.
Sourced from NCBA’s official pages: ncbagroup.com/ke (Payment Solutions, Channels FAQs, Key Facts Document – Corporate) and NCBA’s Tariff Guide (NCBA TARIFF/05/26, effective May 2026).
