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Thanks to the Family Bank Paybill number, it’s now possible for Family Bank account holders to buy airtime, pay utility bills, and transfer cash from MPESA seamlessly and conveniently using their mobile phones.
All that is possible using the Family Bank Paybill number 222111, which you can also use to repay your PesaPap loan. It’s, however, not the only available Family Bank Paybill number, as you’ll require Paybill number 222169 to reload your prepaid Family Bank Visa Card.
So, while the Paybill number 222111 is the most widely used for paying bills, airtime top-ups, MPESA deposits, and PesaPap loan repayments, we also have to mention the Paybill number 222169 for activating your Family Bank Visa card.
I’ll explain how to use both Family Bank Paybill numbers and much more. We’ll even look at mobile banking and other banking routes available to Family Bank customers and the charges applicable to MPESA-to-Family Bank transfers, mobile banking, and PesaLink, among other transfers.
Here’s what we shall look at:
- What is the Family Bank Paybill Number?
- How do you deposit money from MPESA to Family Bank using the Paybill number?
- How do you load your Family Bank Visa account using the Paybill number?
- Is Family Bank Paybill free?
- Does Family Bank have mobile banking?
- How do you withdraw from Family Bank to MPESA?
- How do you repay a Family Bank loan using Paybill?
- Are there any other Family Bank banking channels?
- How do you contact Family Bank?
Let’s dive in!
What is the Family Bank Paybill Number?
Currently, Family Bank has two Paybill numbers that serve different purposes. First is the Family Bank MPESA Paybill number 222111, which you can use to pay bills such as Pay-Tv, utilities such as KPLC tokens, home internet and water reconnections, NHIF, school fees, and KRA tax.
Moreover, you can use this Paybill number to deposit money from your MPESA wallet into your Family bank account or any other. Basically, the Paybill number 222111 allows easy MPESA-to-Family Bank transfers.
The second option is 222169, the Paybill number for Family Bank PesaPap loan repayment. Once you take up a PesaPap loan, you’ll have up to 30 days to repay it, and you should use Paybill number 222169 to do it.
How Do You Deposit Money from MPESA to Family Bank Using Paybill Number?
You need to Paybill number 222111 to deposit money from MPESA to Family Bank. It could be your Family Bank account or another person’s, for example, a merchant or service provider that you want to pay via MPESA.
Having said that, here’s how to deposit money from MPESA to Family Bank:
- Go to MPESA and tap opt for ‘Lipa Na MPESA’
- Choose ‘Paybill Number’ and then ‘Business Number.’
- Enter the Business Number 222111
- Enter the recipient’s 12-digit Family Bank account number
- Input the amount to deposit and the MPESA PIN
- Confirm the transaction details and ‘Submit.’
How Do You Load Your Family Back Visa Account Using MPESA Paybill Number?
You need the Family Bank prepaid card Paybill number 222169 to activate your Family Bank Visa card, and here’s how to do it:
- Go to MPESA and tap opt for ‘Lipa Na MPESA’
- Choose ‘Paybill Number’ and then ‘Business Number.’
- Enter the Business Number 222169
- Enter your 16-digit Visa card number as the account number
- Input the top-up amount (Ksh 200 minimum) and then the MPESA PIN
- Confirm the transaction details and ‘Submit.’
Is Family Bank Paybill Free?
During the Covid-19 pandemic, all local banks scrapped charges on bank-to-MPESA transfers. So, transferring money from Family Bank used to be free, but it is not anymore.
You can only transfer up to Ksh 200 for free using Lipa Na MPESA. However, for every mobile banking transaction you conduct using the Paybill Number 222111, you’ll incur a minimum of Ksh 35.
Moreover, Family Bank Paybill number charges apply to Lipa Na MPESA transactions exceeding Ksh 200. Note, however, that there’s no charge on the recipient’s account. It’s only on the sender.
Does Family Bank Have Mobile Banking?
Family Bank offers mobile banking, popularly known as PesaPap mobile banking. You can access this service using the PesaPap mobile app or the USSD code *325#.
Overall, here are the services available to Family Bank mobile banking customers:
- Self-services such as card management, balance inquiry, PesaPap pin change, statements and checkbook requests, and card blocking
- Fund transfer to other local banks using PesaLink
- Fund transfers to mobile money wallets such as MPESA and Airtel
- International fund transfer (Bank Remit)
- Pay with Visa
- Apply for salary advance
- Buy airtime (Safaricom, Airtel, or Telkom)
- Pay bills (KPLC, Pay-Tv, KRA Tax, home internet, among others)
In terms of charges, here are the various costs applicable to Family Bank mobile banking:
| Transaction | Charges (Ksh) |
| SMS notifications | Free |
| Checkbook requests | free |
| Balance inquiry | Ksh 10 |
| Mini-statements | Ksh 10 |
| Full statements | Ksh 30 |
| M-PIN change | Ksh 20 |
| Loan Request | Free |
| Card blocking | Free |
| MPESA to Family using Paybill No. 222111 | Ksh 35 |
| Family Bank to MPESA | Ksh 80 |
| Internal funds transfer | Ksh 30 |
| KPLC prepaid tokens | Ksh 30 |
| Utility payments | Ksh 30 |
| Airtime top-ups | Free |
| Parking fee ticket | Ksh 10 |
| KRA payments | Ksh 30 |
| Nairobi City County (NCC) wallet top-up | Ksh 10 |
| Forex inquiry | Ksh 10 |
| Beneficiary management | Free |
| Local value-add alerts | Ksh 5 |
| Deposits | Free |
| International value-add alerts | Ksh 15 |
| RTGS (Real Time Gross Settlement) | Ksh 500 |
Moreover, you can expect these withdrawal charges when transacting with Family Bank mobile banking:
| Amount | Withdrawal Charges (Ksh) |
| 100 – 2,500 | 28 |
| 2,501 – 5,000 | 45 |
| 5,001 – 10,000 | 75 |
| 20,001 – 35,000 | 150 |
| 35,001 – 50,000 | 180 |
| 50,001 – 75,000 | 210 |
| 75,001 – 100,000 | 255 |
How Do You Withdraw from Family Bank to MPESA?
Generally, there are two ways to send money from Family Bank to MPESA, and they are:
Option 1 – PesaPap App
If you have access to the PesaPap mobile banking app, log into it and follow these steps:
- Choose MPESA and then ‘Family Bank to MPESA.’
- Choose between sending to ‘Own Number’ or ‘Other Number’
- Fill out the recipient details
- Wait for the recipient to receive the money
Option 2 – USSD Code *325#
The USSD is an alternative for those without the PesaPap app, but the steps are alike. Here’s how to go about it:
- Dial *325# and log into your account
- Choose MPESA and then ‘Family Bank to MPESA.’
- Choose between sending to ‘Own Number’ or ‘Other Number’
- Fill out the recipient details
- Wait for the recipient to receive the money
As for the charges, here’s how much it’ll cost you to withdraw money from Family Bank into your MPESA account:
| Amount (Ksh) | Charges (Ksh) |
| Up to 100 | Free |
| 101 – 500 | 10 |
| 501 – 1,000 | 12 |
| 1,001 – 1,500 | 14 |
| 1,501 – 2,500 | 23 |
| 2,501 -3,500 | 33 |
| 3,501 – 5,000 | 43 |
| 5,001 – 10,000 | 55 |
| 10,001 – 20,000 | 65 |
| 20,001 – 150,000 | 67 |
How Do You Repay a Family Bank Loan Using Paybill Number?
As mentioned, you’ve up to 30 days to repay your Family Bank ‘PesaPap’ mobile loan, which you can do using the Paybill number 222111. During the first 30 days, the loan attracts an interest of 6.22%. However, once you fail to beat the deadline, you are again offered a 30-day ‘grace period’ which attracts another 5% interest.
Here’s how to repay your PesaPap mobile loan with Paybill:
- Go to MPESA and tap opt for ‘Lipa Na MPESA’
- Choose ‘Paybill Number’ and then ‘Business Number.’
- Enter the Business Number 222111
- Enter your mobile number as the account number
- Input the amount to pay and the MPESA PIN
- Confirm the transaction details and ‘Submit.’
Any Other Family Bank Banking Channels?
Other than mobile banking, Family Bank also offers these banking options:
1. Internet Banking
Family Bank Internet Banking offers access to various Family Bank banking and payment services using any Internet-enabled device. You, however, must first register and log into your internet banking account.
Family Bank Internet Banking is convenient overall as it allows you to self-manage your Family Bank account on the go and work beyond regular work hours, among other advantages.
Some of the services you can enjoy on Family Bank Internet Banking include money transfers and Mass payments (especially multiple MPESA payments, dividend payouts, and salary remittance)
2. Card Payments
Family Bank offers its customers debit and credit card payment options in Gold and Classic options. On the one hand, the Family Bank debit card allows you access to your Family Bank individual account savings and transact on the go.
On the other hand, the Family Bank credit card offers you a line of credit when you need it.
3. Family Bank Cashpoints (or ATMs)
Family Bank ATMs allow you access to cash deposits and withdrawals, cheque deposits, MPESA withdrawals, account balance checks, PesaLink transfers, Debit Card pin change, mini-statement requests, and salary advance withdrawals.
4. Family Bank Branch
Family Bank has over 90 branches across the country where you can visit to open an account, transact, and raise inquiries. Use the ‘find a branch’ search option on the bank website to locate the nearest Family Bank branch.
5. PesaPap Agent
You can also transact at any PesaPap agent near you. That offers access to services like cash deposits and withdrawals, balance inquiries, fee payments, NHIF payments, mini-statement requests, NCC permit payments, and utility bills.
6. Money Transfers
I’ve already mentioned MPESA as an option to deposit money into a Family Bank account and withdraw from it. Other than MPESA, Family Bank also offers these money-transfer options:
- Airtel Money – You can use the PesaPap mobile app to send money to registered ‘Airtel Money’ mobile accounts
- World Remit – Allows you to send and receive money from other countries through Family Bank
- SendWave – Allows you to receive money into your Family bank account from Europe and North America
- MoneyGram – Lets you send and receive money from anywhere globally
- Western Union – Just like MoneyGram, Western Union lets you send and receive cash from anywhere in the world
- PesaLink – PesaLink enables you to send money from your Family Bank account to other local banks
- SWIFT – SWIFT allows you to send money from an abroad account to a local bank (in this case, Family Bank)
How Do You Contact Family Bank Kenya?
You can contact Family Bank using any of these avenues:
- Call: +254 703 095 445 or (020) 3252 445
- WhatsApp: +254 701 325 325
- Email: customerservice@familybank.co.ke
- Facebook: @FamilyBankKenya
- X: @FamilyBankKenya
Concluding Thought:
As shared, you can use the Family Bank Paybill number 222111 to pay your bills, repay your PesaPap loan, or deposit money into your Family Bank account using MPESA. However, when loading or activating your prepaid Family Bank Visa card, use Paybill number 222169.
If you want to make any inquiries, contact the Family Bank help desk via email, call, WhatsApp, or social media, and they’ll surely respond.
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