How to Repay HELB Loan -HELB Loan Repayment Modes

1.  Cheques/Cash Deposit, EFT, Standing Order, (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

2.  Mobile Phone Money Transfer (M-Pesa & Airtel Money)

Using M-PESA, please enter HELB business number as 200800

Using Airtel Money, please enter business name as HELB

Note: See guidelines on the reverse page.

 3.  Pesapoint & Equity Bank ATMs

To repay your HELB loan through ATM, ensure that you include your NATIONAL ID

number as your account reference number.

Note: See guidelines on the reverse page.

4.  Credit or ATM (Debit) Card (VISA or MasterCard Branded)

One may also give authority to HELB to make monthly debits or lump-sum payments directly from his/her bank account or Credit card.

This is done by signing the CREDIT CARD AUTHORIZATION FORM (CCA)  and then forwarding the same to HELB.

VISA or MasterCard branded credit or debit (ATM) cards can also be swiped at HELB offices.


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:  [email protected] )
The remittance form is available from the HELB website Download Remittance Form
No payment shall be accepted without the remittance form

HELB Bill Payment Guidelines

Using M-PESA (Safaricom) money transfer:

On the M-pesa menu:

  •  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 e.g. 3000
  • Enter your secret PIN number
  • Confirm transaction and send o  Wait for SMS confirmation.

Using Airtel money transfer:

On the Airtel Money menu:

  • Select Make payments
  • Select Pay bill
  • Select Other
  • Enter business name  as HELB
  • Enter Amount – e.g. 3000
  • Enter your secret Pin number
  • Confirm the transaction
  • In the reference section, enter your National ID Number.
  • You will instantly receive a confirmation via SMS from AIRTEL MONEY

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 prompted
  • Enter amount
  • You will get a slip indicating the ID and amount entered.

Using PesaPoint ATM:

On the ATM menu:

  •  Insert ATM card in the card slot o Remove ATM card from the slot o Select language
  •  Key in your secret PIN number
  • Select “Pay Bill” button to proceed to the next screen
  •  Key in the code shown for HELB option as 5006
  •  Key in your HELB account number as your  National ID number and confirm
  •  Key in your mobile no. (this will allow HELB to contact you if required)
  • Key in the product you wish to pay for (undergraduate or postgraduate)
  • Enter the amount you wish to pay for your loan
  • The ATM will give you a receipt acknowledging payment for your HELB loan once the transaction is successfully completed.

Note:      Please allow up to three (3) days to update your loan account.

Loan statements can be accessed from or send an e-mail request quoting your national ID number to: [email protected]