If you want a simple and reliable way to fund your account, the Stanbic Paybill service is one of the fastest ways to send money to your Stanbic Bank Kenya account. The method is secure, works 24/7, and only takes a few seconds to complete. In this guide, you’ll learn the Stanbic Bank Paybill, how to use it, the correct Stanbic Paybill number, charges, limits, and common mistakes to avoid.
What Is Stanbic Paybill Number?
Stanbic Paybill is an M-Pesa payment option that allows Stanbic Bank customers in Kenya to deposit money directly into their bank accounts using the M-Pesa platform. The service is ideal when you need to top up your account quickly, pay loans, or transfer funds securely without visiting a branch.
It supports personal accounts, business accounts, loan repayments, and credit card bill payments.
Stanbic Bank Paybill Number
The official Stanbic Paybill Number is 600100.
This is the number you will enter under the “Business Number” field when making payments via Lipa na M-Pesa.
When Should You Use the Stanbic Bank Paybill?
You can use the Paybill service for:
- Depositing money into your Stanbic Bank account
- Paying your Stanbic loan
- Paying your Stanbic credit card
- Transferring money to someone else’s Stanbic account
- Sending emergency funds when you can’t visit an ATM or branch
How to Deposit Money to Stanbic Bank Using the Stanbic Paybill Number
Below is the correct step-by-step process:
Step-by-Step Deposit Guide
- Open the M-Pesa menu on your phone.
- Tap Lipa na M-Pesa.
- Select Paybill.
- Choose Enter Business Number.
- Enter the Stanbic Paybill Number: 600100.
- Enter your Stanbic Bank account number (the one to receive the funds).
- Enter the amount you want to send.
- Enter your M-Pesa PIN.
- Confirm the transaction.
You will receive two SMS messages:
- One from M-Pesa confirming the payment
- One from Stanbic Bank confirming receipt of funds
Funds usually reflect instantly, but during network delays, it may take a few minutes.
How to Pay a Stanbic Loan Via M-Pesa Paybill
The process is similar to a normal deposit, but the account number changes depending on your loan type.
Loan Payment Steps
- Go to Lipa na M-Pesa
- Select Paybill
- Business Number: 600100
- Enter your loan account number
- Enter the amount
- Input your PIN
- Confirm
How to Pay Your Stanbic Credit Card Using Stanbic Paybill
- Open M-Pesa
- Go to Lipa na M-Pesa → Paybill
- Business Number: 600100
- Enter your credit card number as the account number
- Enter the amount
- Enter your PIN and confirm
Your card balance updates after a short processing period.
Stanbic Bank Paybill Charges
Stanbic does not charge for Paybill deposits, but Safaricom M-Pesa charges apply based on the amount you send. These are standard Paybill charges set by Safaricom and not the bank.
You can check updated fees in your M-Pesa app or on the Safaricom website.
Daily Limits When Using Stanbic Paybill
- Maximum per transaction: KSh 250,000
- Daily M-Pesa limit: KSh 500,000
- Minimum deposit: KSh 10
If you need to transfer larger amounts, consider using RTGS, PesaLink, or bank-to-bank transfers.
Advantages of Using the Stanbic Paybill Service
1. Fast and Reliable
Money reflects almost instantly, making it useful in emergencies.
2. Works Anywhere in Kenya
You don’t need to visit a branch or ATM.
3. Safe and Secure
The process is regulated by both Stanbic Bank and Safaricom.
4. 24/7 Availability
You can deposit or pay bills at any time.
Common Errors When Using Stanbic Bank Paybill and How to Avoid Them
Here are a few issues people often face:
1. Incorrect Account Number
Always double-check your account number before confirming the payment.
2. Using the Wrong Paybill
Remember, the only official number is 600100.
3. Exceeding M-Pesa Limits
If your amount is rejected, try splitting it into smaller deposits.
4. Delayed Confirmation SMS
This usually happens due to system congestion. Your money is still safe.
What If Your Stanbic Paybill Transaction Delays?
In case of delay:
- Check that your M-Pesa balance was deducted
- Wait 5–10 minutes during peak hours
- If no confirmation comes, call:
Safaricom 100 / 234
Stanbic Bank Kenya Customer Care: +254 719 068100
Banks can trace the transaction using your M-Pesa message details.
Stanbic Paybill FAQs
1. What is the official Stanbic Bank Paybill?
600100.
2. Can I send money from someone else’s M-Pesa line to my Stanbic account?
Yes. Use your own account number.
3. How long does it take for money to reflect?
Instantly in most cases.
4. Does Stanbic charge for deposits via Paybill?
No. Only standard M-Pesa fees apply.
Final Thoughts
The Stanbic Paybill service makes banking simple, fast, and secure. Whether you want to deposit money, pay a loan, or clear your credit card, all you need is the Stanbic Paybill number 600100. It’s reliable, accessible from anywhere in Kenya, and available 24/7.
I hope this guide helped you make seamless payments using the Stanbic Bank Paybill number. You may also want to read our detailed Absa Bank Paybill guide or learn how to pay directly through the Sidian Bank Paybill.
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Vincent Nyagaka is the founder of Chweya, where he breaks down complex financial topics into simple insights. A trader since 2015, he uses his market experience to help readers better understand investing, trading, and personal finance.
