Compliance Certificate

Compliance Certificat

How to take advantage of the 100% COVID-19 Penalty Waiver:
  1. Have you registered your account on the HELB Portal? If yes, Click here to sign in and access the Portal.

2. If you have not, click here to register.

3. Once you are logged in Click on services then under Penalty waiver click on Get Waiver

4. The system will process your request and provide feedback depending on loan balances. See example below:

5. Click on Print waiver request and a sample PDF will be generated as attached.

100% COVID-19 Penalty Waiver Portal User Guide

Click here to access the 100% Penalty Waiver Portal User Guide.

Repayment Methods:
Mobile Payment Services: M-PESA

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 reflects in your statement immediately after the transaction.

Using M-PESA (Safaricom) Money Transfer for Employers

  • Upload the remittance schedule
  • Generate the E-Slip
  • Go to the M-PESA menu and click on Lipa na M-PESA, then Paybill
  • Enter 200800 as the business number
  • For the account details, enter the generated E-Slip number as the account number
  • Enter your PIN number
  • You will receive a confirmation message for payment

Note: The transaction will reflect in the employer statement and posted to individual loanee statements.

Bank Deposit

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 NameAccount No.BranchElectronic Funds Transfer (EFT) Swift Code
Citibank300 040 012NairobiCITIKENA
Co-operative Bank011290 612 228 00University-wayKCOOKENA
Absa Bank077 501 8216Barclays PlazaBARCKENX
KCB Bank1103 266 314University-wayKCBLKENX
Standard Chartered Bank010 801 826 4700Koinange streetSCBLKENX
Equity Bank055 029 357 3408Equity CenterEQBLKENA
National Bank of Kenya01001060391100Harambee AvenueNBKEKENX
Family Bank035 000 024 971Family Bank TowersFABLKENAXXX
SBM0332084215001Delta HouseCKENKENAXXX
Kingdom Bank11748527001Koinange streetCIFIKENAXXX
For more information regarding the 100% COVID-19 Penalty Waiver,

Our Official Contacts are:

1.Customer Experience Centre: Anniversary Towers, Ground Floor.

2. Contact Centre:

3. Huduma Services:


If you are up to date with your loan repayment or you have never benefited from HELB loan, you can apply for HELB Compliance Certificate from the HELB Portal or e-Citizen Portal.

Loanee Compliance Certificate

This Certificate is issued to the beneficiaries of HELB loan who are up to date with their loan repayment. It is also issued to the beneficiaries who are still within the repayment grace period. Once a beneficiary has completed repaying the loan, he/she is issued Certificate of Clearance. This service is not charged.

Non-Loanee Compliance Certificate

If you did not benefit from HELB loan, you can apply for the Non-loanee Compliance Certificate from the HELB Portal or e-Citizen Portal. This service is not charged.


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