All available Loan Repayment Modes for Higher Education Loans Board (HELB) Loan

3 min read

How to I pay helb loan via Mpesa paybill and bank?


BANK DEPOSIT (by Employer or Self)

All payments are payable to Higher Education Loans Board, by crossed cheque, Bankers

draft, direct transfer/standing order/EFT or CASH DEPOSIT to HELB collection A/C in any of the following banks:

Bank Account Number Branch Electronic Funds Transfer (EFT)
Kenya Commercial Bank 1103 266 314 University-way SWIFT CODE : KCBLKENX
Family Bank 035 000 024 971 Family Bank Towers SWIFT CODE : FABLKENAXXX
Co-operative Bank 011290 612 228 00 University-way SWIFT CODE : KCOOKENA
Barclays bank 501 8216 Barclays Plaza SWIFT CODE : BARCKENX
Standard chartered Bank 010 801 826 4700 Koinange street SWIFT CODE : SCBLKENX
Equity bank 055 029 357 3408 Equity Center SWIFT CODE : EQBLKENA
National Bank of Kenya 010 016 039 1100 Harambee Avenue SWIFT CODE :NBKEKENX
Citibank 300 040 012 Nairobi SWIFT CODE : CITIKENA
Chase Bank 0332 084 215 001 Delta House SWIFT CODE : CKENKENAXXX
NIC Bank 1002 247 638 NIC House SWIFT CODE : NINCKENAXXX
Jamii Bora Bank 1174 852 7001 Koinange street SWIFT CODE : CIFIKENAXXX


Using M-PESA (Safaricom) Money Transfer:

  •  Select pay bill option
  •  Enter HELB business number as 200800
  •  Enter your national ID number as your account number
  •  Enter amount you want to pay
  •  Enter your secret PIN number
  •  Confirm transaction and send

Note: The transaction will take 2 business days to reflect in your statement


Give authority to HELB to make monthly debits or lump-sum payments directly from your bank account or credit card. This is done by signing the CREDIT CARD AUTHORIZATION FORM (CCA) and forwarding the same to HELB. VISA branded credit cards or debit (ATM) cards can also be swiped at HELB offices.


You can now pay your HELB loan online. To make your payment:

  • Register an account with HELB online portal; if you already have an account please
  • Once logged in, click on Online Services > Online Payment menu.
  • Enter your National ID number as your account number
  • Enter the amount you are paying and click Pay Now.
  • A payment acknowledgement will be issued once the payment is successful.
  • HELB will issue an official receipt for the payment.

5.  WAVE

You can make payments instantly from the US and Canada through Wave via KCB account number 1103266314. Go to to update/download the app and then make transfers immediately. Once you complete the transaction, you will get a wave message like this;




National ID number MUST be included as reference in all payments and enquiries; Payments MUST be made by the 15th   day of the following month for employers and within the month for individuals (self-paying)

Payments (cheques) delivered directly at HELB payment office MUST be  attached with remittance form;
For payments made directly to HELB bank accounts, the remittance form MUST be e-mailed to HELB (e-mail: ) 

The remittance form is available from the HELB website Download Remittance Form

No payment shall be accepted without the remittance form


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Using Equity bank ATM:

On the ATM menu:

  • Insert ATM card
  • Key in your secret PIN number
  • Go to ‘Pay bills’
  • Select ‘HELB
  • Enter National ID number when

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