How To Repay HELB Loan Via Local Kenyan Banks

The Higher Education Loans Board (HELB) offers various means of repaying HELB loans such as via M-PESA paybill 200800 and Credit or Debit (ATM) card.

The board also supports loan repayment via bank deposits to various banks. This can be done either directly by the borrower or as monthly deductions from one’s salary through an employer. These monthly instalments are however expected not to be more than 25% of the employee’s basic salary.

On completion of the loan repayment, the borrower is issue with a HELB Clearance Certificate. On the other hand, failure to repay the HELB loan as agreed on the contract attracts penalties which are added to the borrower’s loan account.

This may also lead to a negative listing in the Credit Reference Bureau (CRB) which adversely affect one’s ability to access loans from other financial institutions.


HELB Loan Repayment via Banks

Loan payments are to be completed through a standing order, cash deposit or direct transfer (EFT i.e. from one bank to another) to the bank accounts listed below. The borrower’s National ID number should always be indicated in all payments.

Account Number
300 040 012
Co-operative Bank
011290 612 228 00
Barclays Bank
077 501 8216
Barclays Plaza
Kenya Commercial Bank
1103 266 314
Standard chartered Bank
010 801 826 4700
Koinange street
Equity Bank
055 029 357 3408
Equity Center
National Bank of Kenya
Harambee Avenue
Family Bank
035 000 024 971
Family Bank Towers
Chase Bank
Family Bank Towers
NIC Bank
Jamii Bora Bank
Koinange street


Kelvin Muriuki is a web content developer that's passionate about keeping the internet a useful place. He is the founder and editor of Kenyan Fix, an informational blog that writes on topics that are of interest to the everyday Kenyan.