How to Top Up Your KES Account on Niobi Your Niobi KES account allows you to hold Kenyan Shillings (KES) to send business payments, settle local vendor invoices, and manage regional operations. Before you can transact, you need to fund your account. Niobi supports Kenya's most popular payment networks, including M-Pesa, Pesalink, and standard bank transfers. This guide walks you through every funding method step-by-step. Time to complete: 5–15 minutes depending on your chosen method. Before You Start Make sure you have: - An active Niobi account with the KES currency wallet enabled. - Access to your M-Pesa mobile wallet or a Kenyan bank account. - Completed your two-factor authentication (2FA) login. Getting Started: Accessing the Top-Up Menu All KES deposits are initiated through a central menu on your main dashboard. 1.Initiate the Payment:\ Dashboard.\ Log into your Niobi dashboard. In the main menu, locate and click the Receive Payments button. 2.Select KES:\ Currency Wallet.\ A popup window will appear. Select KES from the currency dropdown menu to isolate Kenyan Shilling funding options. 3.Select Your Funding Type:\ Choose Pathway.\ Choose whether you want to top up via a Mobile Wallet, a Bank Account, or through Currency Conversion. Choosing Your Funding Method Instead of using restrictive tables, here is a direct comparison of your options to help you choose the most efficient pathway for your transaction value: - M-Pesa Mobile Wallet: This is the fastest, most convenient option for small to medium operational amounts. Using the Instant Prompt (STK Push) or Paybill typically credits your account within 1 to 5 minutes. - Pesalink Bank Transfer: This is our highly recommended method for bank transfers below 1,000,000 KES. It processes near-instantly (30 seconds to 1 hour) and carries a minimal flat fee from your bank. - RTGS / EFT Bank Transfers: Best saved for massive corporate transfers exceeding 1,000,000 KES. RTGS clears same-day if sent before 3 PM, while standard EFT clears within 1 to 3 business days. - USD Balance Conversion: If you already hold funds in your Niobi USD wallet, you can convert them directly into KES. This bypasses external banking networks entirely and settles within 1 to 3 hours. Step-by-Step Funding Methods Method 1: Mobile Wallet (M-Pesa) When you select Mobile Wallet in the deposit popup, you can choose between two convenient automated workflows: Option A: M-Pesa Instant Prompt (STK Push) 1. Select M-Pesa Instant Prompt from the menu. 2. Enter the active phone number you wish to pay from and specify the deposit amount. 3. Keep your phone unlocked. Niobi will trigger a secure STK push prompt directly to your handset. 4. Enter your M-Pesa PIN on your phone to authorize the transaction. The funds will reflect in Niobi within 1 to 5 minutes. Option B: M-Pesa Paybill 1. Select M-Pesa Paybill. Niobi will instantly display our official business Paybill number and your unique, dedicated Acc