Safaricom Airtime Purchase: How to Reverse an Mpesa Transaction

Have you erroneously bought Safaricom airtime using Mpesa? Don't panic, there is a now a way you have such a transaction reversed in a few short minutes. And, the beauty of it is that you don't have to call the annoying 234 number that takes forever to connect you to a customer service representative.

Safaricom Instructions

1. Get in touch with the Safaricom customer support team at their Facebook page here or via Twitter @Safaricom_Care. Post a message to the Facebook page or send out a tweet.
2. Someone from the team will get back to you and reverse the transaction.
3. Voila! that's it, the day is saved.

Tips & Warnings

• DO NOT use the airtime purchased by mistake because it won't be possible to reverse the transaction if you have used some airtime.
• If you need to reverse an Mpesa transaction i.e. where you have sent money to the wrong person, call 234 as fast as possible.

Suggested Reading

How to Withdraw M-pesa from Airtel Line

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Infographic: How to Destroy Productivity

Everybody can do with increased productivity. Being more productive at work can mean more income, better sales, a better chance for promotion and much more. There are many ways that you can destroy your productivity, sometimes without even realizing it. It turns out that some innocuous everyday activities are actually productivity killers. The infographic below sums it up.

Source: Marketo

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How to Swim: Learn how in Three Weeks

Have you always wanted to learn how to swim but it scares the hell out of you? Or maybe you simply have never had the opportunity to learn this important life skill. Well, while you can't learn how to swim entirely from a blog post, this article is an important resource to supplement proper lessons.

The best way to learn how to swim fast is to enlist the services of an instructor. This could be someone you pay for swimming lessons or a friend who is willing to commit the time to teach you.

  "People wish to learn to swim and at the same keep one foot on the ground." — Marcel Proust

Swimming Instructions

Become Comfortable in Water 

The first step to swimming is to learn to become comfortable in water. Fear is the greatest hindrance to learning. But, while you should be wary of any large body of water, you cannot learn how to swim by keeping your feet on the ground. Get in the pool at the shallow end, hold onto the rails and relax. Hold your breathe several times and immerse your head in the water for 30 seconds. Open your eyes while under the water to see how it looks. It is much easier see underwater if you are wearing goggles so you may want to invest in a pair. The idea is to get used to the feel of being in water. Do this for two days.

Learn How to Float 

The next step is to learn how to float. At the shallow end, hold the rail with both hands, take a deep breath, stretch your legs and submerge your head in the water. Relax your entire body. Imagine you have fainted and have no control over your limbs. When you are fully relaxed, you will notice that your torso rises and floats in the water. Next, try floating without your hands on the rail. Also, try floating on your back. Stretch your arms and legs wide like a starfish. Remember, you have to be fully relaxed. You should be able to master floating within three days. See the video below, how to float in water for beginners.

Learn How to Kick

When swimming, it is your legs that provide most of the force to propel you forward. To learn how to kick, hold onto the rail and float as instructed above. There are several types of kicks used when swimming but the flutter kick is the most basic and easiest to learn. Watch the video below, how to kick when swimming. You should be able to master this in three days.

Learn How to Crawl

Before you learn a swimming style, you have to learn how to crawl in water. You can crawl from the front or on your back. To do a front crawl, use the flutter kick and apply a forward motion with your arms. You should find yourself slowly inching forward. Practice this several times. By the end of the second week, you should be able to crawl from the front and on your back.   

Learn How to Swim Freestyle

Once you have mastered crawling, you are ready to learn your first style. There are four main swimming styles, namely; freestyle, breaststroke, backstroke and butterfly. The freestyle is easiest to learn and makes use of the flutter kick. See the expert videos below, how to swim the freestyle.

Mastering the Freestyle Stroke

How to Breathe While Swimming Freestyle

Tips & Warnings

• Try searching OLX and other classified websites to find a swimming instructor. Most public pools such as YMCA have instructors who charge 200-300 shillings per session.
• Invest in swimming goggles, a kickboard floater and a swim cap for ladies.
• Swimming is one of the best ways to lose weight and exercise your whole body.
• Buy a swimming kit that you feel comfortable wearing.
• Don't try to learn everything at once.

Suggested Reading

Swimming Pool Contractors in Kenya

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What are the Swift Codes for Kenyan Banks

SWIFT is the acronym for Society for Worldwide Interbank Financial Telecommunication. The SWIFT network enables banks globally to send and receive information on financial transactions in a secure and reliable environment. SWIFT codes are used to transfer money between banks, especially international wire transfers as well as exchange other messages.

A SWIFT code has 8-11 characters. The following are the SWIFT codes for all banks in Kenya. You will notice that some bank branches have different SWIFT codes from the head office.

No	Bank	City/Town	Branch	Swift Code
1	AFRICAN BANKING CORPORATION LTD	NAIROBI		ABCLKENAXXX
2	BANK OF AFRICA KENYA LTD	MOMBASA	(MOMBASA BRANCH)	AFRIKENX002
3	BANK OF AFRICA KENYA LTD	NAIROBI		AFRIKENXXXX
4	BANK OF BARODA (KENYA) LTD	KAKAMEGA	(KAKAMEGA BRANCH)	BARBKENAKAK
5	BANK OF BARODA (KENYA) LTD	KISUMU	(KISUMU BRANCH)	BARBKENAKIS
6	BANK OF BARODA (KENYA) LTD	MOMBASA	(DIGO ROAD, MOMBASA)	BARBKENAMOM
7	BANK OF BARODA (KENYA) LTD	MOMBASA	(NYALI BRANCH, MOMBASA, KENYA)	BARBKENANYA
8	BANK OF BARODA (KENYA) LTD	NAIROBI	(INDUSTRIAL AREA BR.)	BARBKENAIND
9	BANK OF BARODA (KENYA) LTD	NAIROBI	(NAIROBI MAIN)	BARBKENANMO
10	BANK OF BARODA (KENYA) LTD	NAIROBI	(SARIT CENTRE)	BARBKENASAR
11	BANK OF BARODA (KENYA) LTD	NAIROBI		BARBKENAXXX
12	BANK OF INDIA	NAIROBI		BKIDKENAXXX
13	BARCLAYS BANK OF KENYA, LTD.	ELDORET	(ELDORET BRANCH)	BARCKENXELD
14	BARCLAYS BANK OF KENYA, LTD.	MOMBASA	(DIGO ROAD MOMBASA)	BARCKENXMDR
15	BARCLAYS BANK OF KENYA, LTD.	MOMBASA	(NKRUMAH ROAD BRANCH)	BARCKENXMNR
16	BARCLAYS BANK OF KENYA, LTD.	NAIROBI	(BACK OFFICE PROCESSING CENTRE, BANK HOUSE)	BARCKENXOCB
17	BARCLAYS BANK OF KENYA, LTD.	NAIROBI	(CARD CENTRE NAIROBI)	BARCKENXNCC
18	BARCLAYS BANK OF KENYA, LTD.	NAIROBI	(DEALERS DEPARTMENT H/O)	BARCKENXDLR
19	BARCLAYS BANK OF KENYA, LTD.	NAIROBI	(NAIROBI DISTRIBUTION CENTRE)	BARCKENXNDC
20	BARCLAYS BANK OF KENYA, LTD.	NAIROBI	(PAYMENTS AND INTERNATIONAL SERVICES)	BARCKENXPIS
21	BARCLAYS BANK OF KENYA, LTD.	NAIROBI	(PLAZA BUSINESS CENTRE)	BARCKENXNPB
22	BARCLAYS BANK OF KENYA, LTD.	NAIROBI	(TRADE PROCESSING CENTRE)	BARCKENXTPC
23	BARCLAYS BANK OF KENYA, LTD.	NAIROBI	(VOUCHER PROCESSING CENTRE)	BARCKENXVPC
24	BARCLAYS BANK OF KENYA, LTD.	NAIROBI		BARCKENXXXX
25	CENTRAL BANK OF KENYA	NAIROBI	(BANKING DIVISION)	CBKEKENXBKG
26	CENTRAL BANK OF KENYA	NAIROBI	(CURRENCY DIVISION)	CBKEKENXCNY
27	CENTRAL BANK OF KENYA	NAIROBI	(NATIONAL DEBT DIVISION)	CBKEKENXNDO
28	CENTRAL BANK OF KENYA	NAIROBI		CBKEKENXXXX
29	CFC STANBIC BANK LIMITED	NAIROBI	(STRUCTURED PAYMENTS)	SBICKENXSSP
30	CFC STANBIC BANK LIMITED	NAIROBI		SBICKENXXXX
31	CHARTERHOUSE BANK LIMITED	NAIROBI		CHBLKENXXXX
32	CHASE BANK (KENYA) LIMITED	NAIROBI		CKENKENAXXX
33	CITIBANK N.A. NAIROBI	NAIROBI	(TRADE SERVICES DEPARTMENT)	CITIKENATRD
34	CITIBANK N.A. NAIROBI	NAIROBI		CITIKENAXXX
35	CITY FINANCE BANK LTD	NAIROBI		CIFIKENAXXX
36	COMMERCIAL BANK OF AFRICA LTD.	NAIROBI		CBAFKENXXXX
37	CONSOLIDATED BANK OF KENYA LTD	NAIROBI		CONKKENAXXX
38	COOPERATIVE BANK OF KENYA LTD., THE	NAIROBI		KCOOKENAXXX
39	CREDIT BANK LIMITED	NAIROBI		CRBTKENAXXX
40	DEVELOPMENT BANK OF KENYA LIMITED	NAIROBI		DEVKKENAXXX
41	DIAMOND TRUST BANK KENYA LIMITED	NAIROBI	(HEAD OFFICE)	DTKEKENAXXX
42	DUBAI BANK KENYA LTD	NAIROBI		DUKNKENAXXX
43	EASTERN AND SOUTHERN AFRICAN TRADE AND DEVELOPMENTBANK	NAIROBI		ESATKENAXXX
44	ECOBANK KENYA LTD	NAIROBI		ECOCKENAXXX
45	EQUATORIAL COMMERCIAL BANK LTD	NAIROBI		EQUAKENAXXX
46	EQUITY BANK LIMITED	NAIROBI		EQBLKENAXXX
47	FAMILY BANK LIMITED	NAIROBI		FABLKENAXXX
48	FIDELITY COMMERCIAL BANK LTD	NAIROBI		FCBLKENAXXX
49	FINA BANK LTD	NAIROBI		FBAKKENAXXX
50	FIRST COMMUNITY BANK LIMITED	NAIROBI		IFCBKENAXXX
51	GIRO COMMERCIAL BANK LTD	NAIROBI		GIROKENXXXX
52	GUARDIAN BANK LIMITED	NAIROBI		GUARKENAXXX
53	GULF AFRICAN BANK LTD	NAIROBI		GAFRKENAXXX
54	HABIB BANK AG ZURICH	NAIROBI		HBZUKENAXXX
55	HABIB BANK LIMITED	NAIROBI		HABBKENXXXX
56	HOUSING FINANCE COMPANY OF KENYA	NAIROBI		HFCOKENAXXX
57	I AND M BANK LTD	NAIROBI	(FUNDS TRANSFER DEPARTMENT)	IMBLKENAFTR
58	I AND M BANK LTD	NAIROBI	(SETTLEMENT DEPARTMENT)	IMBLKENASTL
59	I AND M BANK LTD	NAIROBI	(TRADE FINANCE DEPARTMENT)	IMBLKENATRD
60	I AND M BANK LTD	NAIROBI		IMBLKENAXXX
61	IMPERIAL BANK LIMITED	NAIROBI		IMPLKENAXXX
62	INDUSTRIAL DEVELOPMENT BANK LIMITED	NAIROBI		DEVIKENAXXX
63	KENYA COMMERCIAL BANK LIMITED	MOMBASA	(TREASURY SQUARE)	KCBLKENX080
64	KENYA COMMERCIAL BANK LIMITED	NAIROBI	(DOMESTIC MONEY MARKET UNIT)	KCBLKENXDMM
65	KENYA COMMERCIAL BANK LIMITED	NAIROBI	(GIGIRI-UNEP BRANCH)	KCBLKENX012
66	KENYA COMMERCIAL BANK LIMITED	NAIROBI	(HEAD OFFICE)	KCBLKENXXXX
67	KENYA COMMERCIAL BANK LIMITED	NAIROBI	(INDUSTRIAL AREA)	KCBLKENX002
68	KENYA COMMERCIAL BANK LIMITED	NAIROBI	(KIPANDE HOUSE)	KCBLKENX005
69	KENYA COMMERCIAL BANK LIMITED	NAIROBI	(KISUMU MAIN)	KCBLKENX077
70	KENYA COMMERCIAL BANK LIMITED	NAIROBI	(MOI AVENUE)	KCBLKENX017
71	KENYA COMMERCIAL BANK LIMITED	NAIROBI	(TREASURY)	KCBLKENXTMK
72	K-REP BANK LIMITED	NAIROBI		KREPKENAXXX
73	MIDDLE EAST BANK KENYA LTD	NAIROBI		MIEKKENAXXX
74	NATIONAL BANK OF KENYA LTD.	NAIROBI	(AWENDO BRANCH)	NBKEKENX302
75	NATIONAL BANK OF KENYA LTD.	NAIROBI	(BUNGOMA BRANCH)	NBKEKENX957
76	NATIONAL BANK OF KENYA LTD.	NAIROBI	(BUSIA BRANCH)	NBKEKENX828
77	NATIONAL BANK OF KENYA LTD.	NAIROBI	(CORPORATE DIVISION)	NBKEKENX310
78	NATIONAL BANK OF KENYA LTD.	NAIROBI	(ELDORET BRANCH)	NBKEKENX789
79	NATIONAL BANK OF KENYA LTD.	NAIROBI	(HARAMBEE AVENUE BRANCH)	NBKEKENX711
80	NATIONAL BANK OF KENYA LTD.	NAIROBI	(HILL PLAZA BRANCH)	NBKEKENX808
81	NATIONAL BANK OF KENYA LTD.	NAIROBI	(HOSPITAL BRANCH)	NBKEKENX329
82	NATIONAL BANK OF KENYA LTD.	NAIROBI	(KAPSABET BRANCH)	NBKEKENX965
83	NATIONAL BANK OF KENYA LTD.	NAIROBI	(KARATINA BRANCH)	NBKEKENX841
84	NATIONAL BANK OF KENYA LTD.	NAIROBI	(KENYATTA AVENUE BRANCH)	NBKEKENX725
85	NATIONAL BANK OF KENYA LTD.	NAIROBI	(KISII BRANCH)	NBKEKENX815
86	NATIONAL BANK OF KENYA LTD.	NAIROBI	(KISUMU BRANCH)	NBKEKENX761
87	NATIONAL BANK OF KENYA LTD.	NAIROBI	(KITALE BRANCH)	NBKEKENX884
88	NATIONAL BANK OF KENYA LTD.	NAIROBI	(KITUI BRANCH)	NBKEKENX930
89	NATIONAL BANK OF KENYA LTD.	NAIROBI	(LIMURU BRANCH)	NBKEKENX922
90	NATIONAL BANK OF KENYA LTD.	NAIROBI	(MERU BRANCH)	NBKEKENX833
91	NATIONAL BANK OF KENYA LTD.	NAIROBI	(MOI AVENUE BRANCH)	NBKEKENX743
92	NATIONAL BANK OF KENYA LTD.	NAIROBI	(MOLO BRANCH)	NBKEKENX949
93	NATIONAL BANK OF KENYA LTD.	NAIROBI	(MOMBASA MOI BRANCH)	NBKEKENX973
94	NATIONAL BANK OF KENYA LTD.	NAIROBI	(MOMBASA NKURUMAH BRANCH)	NBKEKENX739
95	NATIONAL BANK OF KENYA LTD.	NAIROBI	(NAKURU BRANCH)	NBKEKENX757
96	NATIONAL BANK OF KENYA LTD.	NAIROBI	(NAROK BRANCH)	NBKEKENX868
97	NATIONAL BANK OF KENYA LTD.	NAIROBI	(NYERI BRANCH)	NBKEKENX876
98	NATIONAL BANK OF KENYA LTD.	NAIROBI		NBKEKENXXXX
99	NATIONAL BANK OF KENYA LTD.	RUIRU	(RUIRU BRANCH)	NBKEKENX337
100	NIC BANK LIMITED	NAIROBI	(HEAD OFFICE)	NINCKENAXXX
101	ORIENTAL COMMERCIAL BANK LTD	NAIROBI		DELFKENAXXX
102	SOUTHERN CREDIT BANKING CORPORATION LTD	NAIROBI		SOCRKENAXXX
103	STANDARD CHARTERED BANK KENYA LIMITED	NAIROBI	(SECURITIES SERVICES UNIT)	SCBLKENXSSU
104	STANDARD CHARTERED BANK KENYA LIMITED	NAIROBI		SCBLKENXXXX
105	TRANS-NATIONAL BANK LIMITED	NAIROBI		TNBLKENAXXX
106	UBA KENYA BANK LIMITED	NAIROBI		UNAFKENAXXX
107	VICTORIA COMMERCIAL BANK LIMITED	NAIROBI		VICMKENAXXX

Resources

SWIFT

Wikipedia

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How to Recover Deleted WhatsApp Messages in Android

Have you deleted your WhatsApp chat messages by accident and need them back urgently? Don't panic, there are several methods you can use to recover deleted Whatsapp chats.

Instructions

Chats Less Than Seven Days Old

Chats less than seven days old are fairly easy to recover. Simple uninstall WhatsApp and reinstall.

1. On your phone, search for Applications. The location will differ with each version of Android. 
2. Look for the WhatApp app and tap on it to reveal the Uninstall option. Alternatively, open the Google Play app, go to My Apps, locate WhatsApp and uninstall. 
3. Once you have removed the application, select it from the Google Play store and reinstall. You will be prompted to restore your message history. 
4. Tap Restore and follow the prompts to finish. 

The reason this is possible is because WhatsApp creates a back up of your messages at 4 am everyday. This backup is stored on your SD card.

Chats Older Than Seven Days

Restoring chats older than seven days is slightly more complicated.

1. Before you begin restoring older chats, backup your current chat history by going to WhatsApp > Menu  > Settings > Chat Settings > Backup conversations.
2. Next, go to your WhatsApp database folder using your file manager (Files) app. The route to the database folder is /sdcard/WhatsApp/Databases. In this folder, you will notice several files . The backup file you have just created will have a name similar to "msgstore.db.crypt7" or "msgstore.db.crypt8". Rename this file so that you don't confuse it with other files during the recovery process. For example, you can rename it to "msgstore.db.crypt8.recent".
3. Take note of the other database files marked with different dates e.g. "msgstore-YYYY-MM-DD.2.db.crypt5" As you have probably guessed, YYYY-MM-DD is the year, month and date of backup. Decide on the backup file you want restore based on the date and rename it “msgstore.db.crypt”
4. Uninstall WhatsApp and reinstall. Choose Restore when prompted and your old chat history is restored using the file you have renamed “msgstore.db.crypt” in point 4 above. 

WhatsApp Android Resources

WhatsApp Support

Makeuseof

Suggested Reading

Increase Android Phone Storage Memory

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How To Beat Alcoblow (Kenyan Breathalyzer)

If you are a regular driver on Kenyan roads and you enjoy your tipple, you must have wondered if it is possible to beat or trick the alcoblow gadget and pass the test.

Alcoblow is a breathalyzer device used by Kenyan traffic police to determine blood alcohol concentration (BAC). The gadget has proved a nightmare for Kenyan drivers. Hundreds have been arrested, fined and even jailed for driving under the influence.

There are several misconceptions around the issue of whether the device can be tricked and we hope to separate fact from fiction in this article.

Drinking lots of water before you leave the bar will lower your BAC

This is fiction. The amount of water you drink does not affect the length of time it takes your body to break down alcohol. Water only prevents you from getting dehydrated and can lessen the effects of a hangover.
On average, it takes one hour to break down one unit of alcohol. The following are the units of alcohol contained in several drinks common in Kenya ..so do the math.

One unit of alcohol is equal to 10ml of pure alcohol. The following are the approximate units in popular Kenyan drinks:

• 2.1 units in a 175 ml glass of wine (12%)
• 3 units in a 250 ml wine (12%)
• 2 units in 473ml of low-strength lager, beer or cider (2.5 - 3.5%) e.g. White Cap Light, Tusker Light
• 3 units in 473ml of higher-strength lager, beer or cider (5 - 6%)e.g. Heineken, Tusker Malt, Summit Malt, Tusker, Pilsner, Whitecap, Summit etc
• 1 unit in a tot measure of spirits (25ml) e.g. Viceroy, Richot, Smirnoff, Jameson, Johny Walker etc

The length of time to break down alcohol is also affected by a person's:

• weight
• gender
• age
• metabolism
• the amount of food eaten
• type of alcohol consumed
• medication 

Holding Your Breath and Pretending to Blow into the Device

This will hardly fool the usually hawk eyed police officers. In fact, it is a bad idea to try this because holding your breath allows alcohol to accumulate in your lungs and potentially inflate the actual BAC reading when you eventually blow into the device (and you will!).

Hyperventilation May Beat Alcoblow

The only way you could potentially get away drink driving is by hyperventilating a few minutes before you blow into the device. This involves breathing in and out deeply for about two minutes. A decades old study found that breathing in and out deeply or engaging in vigorous exercise a few minutes before being tested can lower your BAC by as much as 10%. So if you are only slightly above the legal limit, you could try hyperventilating and you just might pass the test.

Register for an Alcoblow Whatsapp or Facebook Group

There are numerous social media groups where members watch out for one another by posting about alcoblow roadblocks when they encounter them so that other members can avoid them. This has effective for a while but the NTSA (National Transport and Safety Authority) recently purchased a fleet of vehicles to allow them to stop drivers and test them on the spot at any location. It seems the lawman is becoming highly adept at catching drunk drivers.

Warning

• The only way to beat alcoblow for sure is not to drink and drive, it simply isn't worth the risk. You endanger your life and other people's lives; not to mention the stress you go through trying to navigate the police road blocks. 
• Some mouthwashes contain alcohol and can lead to a positive test if the police stop you a few minutes after using the mouthwash. For example, Listerine is 27% alcohol. A number of fresh breath sprays also contain alcohol.

Resources

National Health Service UK

Brown University Health Education

Suggested Reading
List of traffic offences


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How to buy direct from China Without Having to Fly There

Every month hundreds of thousands of Kenyans board planes and head off to China in search of various goods. While getting on a plane and going to China is a good business and cultural experience, did you know you can save lots of time and money by buying directly from China? This is possible through online trading portals that connect buyers and sellers globally.

Instructions

• Visit any one of several well-established trading portals and register an account. The following are the top five online trading websites where you can find thousands of manufacturers, traders, and exporters based in China and other parts of the world:

• Alibaba.com

• Made-in-China.com

• Tradekey.com

• Worldoftrade.com

• Busytrade.com

• Etradeasia.com

• Read through the instructions on each website because each site has different terms and conditions.
• Browse through the various company and product profiles. Once you identify the goods you wish to import, contact the supplier(s) using the contact information provided and request a quotation. Make sure you request quotes from at least five different suppliers for comparison purposes.
• Select your preferred supplier and confirm the order. Insist on making payment via a letter of credit as opposed to a telegraphic transfer (TT), Western Union, Credit Card or other methods. A letter of credit protects you in case the supplier ships sub-standard goods or goods that differ from the description. You will set up the letter of credit from your bank in Kenya. The transaction then becomes a bank-to-bank transaction. Your bank will only release the funds to the Chinese bank once you confirm that the goods have been received and conform to the description on the bill of lading. 
• The supplier will prepare a bill of lading and organize to ship the goods to Kenya.
• At this juncture, you will need to enlist the services of a clearing agent. The clearing agent will advise you on the import duty and VAT payable. The agent will also process the import documentation through Kenya customs. 
• Once your goods arrive at the port of Mombasa or at the airport,  pay the duty and collect your goods. Confirm that the cargo conforms to the exporter's description as contained on the bill of lading. If satisfied, notify your bank in writing and they will release the funds to the Chinese suppliers bank.

Tips and Warnings

• A round-trip to China costs over two hundred thousand shillings (flight and accommodation). For many people, buying online can result in considerable savings and give them that extra competitive edge that they need. 
• Beware of scammers. There are many fraudsters in China. If you use this method to transact, insist on payment using a letter of credit. Avoid any Chinese supplier who refuses this form of payment as this could indicate an intent to defraud.
• It is not possible to use online trading portals for all kinds of goods. Some items may demand your (or a representative) physical presence to confirm specifications, choose from different options and inspect quality.
• Find out how to import from China through Eastleigh.

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How to be Successful: Avoid the Beaten Path

Success for many people in life has come as a result of doing something they were just dying to do but didn't have the courage to try out. 
Do you find yourself in a situation where you simply don't have the courage to take that big risk? Well, all successful people have taken an important risk at some critical point of their lives.


To be successful in life, you have to avoid the beaten path. Nothing summarizes this better than this poem about risk. The composer is anonymous.

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How to Bank Money Using a Bank's M-pesa Paybill Number

Are you one of those people still struggling to queue at the bank in order to make a deposit? If you are, you need to put a stop to that immediately. Ever since Safaricom launched the M-pesa Paybill service, it is no longer necessary to waste your valuable time in bank queues. All you need to do is find out the bank's Mpesa Paybill number and then follow the instructions below.

Instructions

1. Look for the nearest M-pesa agent and deposit the funds in your M-pesa account.
2. Go to your M-pesa menu and scroll down to "Lipa na M-pesa"
3. Select "PayBill"
4. Enter the bank's Business Number. If you do not know the bank's business number, please see this page that contains several bank Paybill numbers
5. Next, enter the bank account number
6. Enter the amount you want to deposit to the bank account
7. Enter your M-pesa PIN and send
8. After a few seconds you will get an SMS confirmation that the funds have been deposited in the bank account. 

Tips and Warnings

• Make sure you enter the correct bank account number to avoid banking the funds in the wrong account.
• Try out this Mpesa cost calculator

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List of Bank M-pesa PayBill Numbers

The following is a list of M-Pesa PayBill numbers for Kenyan banks, microfinance institutions, and saccos. This page is regularly updated.

1	ABC Bank	111777
2	Bank of Africa	972900
3	Barclays Bank K LTD	303030
4	CFC Stanbic	600100
5	Chase Bank	552800
6	Citibank N.A Kenya	100229
7	Commercial Bank of Africa (CBA)	880100
8	Consolidated Bank LTD	508400
9	Co-operative Bank	400200
10	Diamond Trust Bank (DTB)	516600
11	Ecobank	700201
12	Spire formerly Equatorial Commercial Bank	498100
13	Equity	247247
14	Family Bank Ltd	222111
15	Faulu DTM	328585
16	First Community Bank Ltd	919700
17	Gulf African Bank	985050
18	Housing Finance Company Ltd	100400
19	I & M Bank Limited	542542
20	Imperial Bank Ltd	800100
21	Jamii Bora Bank	529901
22	KADET Ltd	200555; 549900
23	Kenya Commercial Bank (KCB)	522522
24	Sidian formerly K-REP BANK	111999
25	KWFT DTM	101200
26	Musoni	514000
27	National Bank	547700
28	NIC Bank Limited	488488
29	Post Office Savings Bank (Postbank)	200999
30	Prime Bank	982800
31	Rafiki DTM	802200
32	SMEP DTM	777001
33	Standard Chartered Bank	329329
34	Transnational Bank	862862
35	UBA Bank	559900
36	Unaitas	544700
37	Uwezo DTM	504600

Suggested Reading

• Insurance Company PayBill Number

• Lipa na Mpesa Charges

• To find out how to use a PayBill number, please read our article on How to Bank Money Using a Bank's M-pesa Paybill Number.

• Also, find the Paybill number of any company in Kenya via this online search.

• List of Safaricom mBanking Short Codes (Bank to M-pesa)

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