HFC paybill number 100 400
Send money from M-Pesa to an HFC (Housing Finance) account or pay your mortgage.
Verified by paybillke on 8 May 2026how we verify
Check the cost first
Send to HFC, for less
Sending money to a Kenyan bank? The M-Pesa fee depends on the amount. Check the actual cost before you press send.
Calculate the feeAccount number for HFC
- Format
- Account number
- What to type
- Your HFC account or mortgage reference.
- Common mistake
- Including a hyphen, slash, or space: most paybill systems reject the entry silently and the money waits in suspense until manually reconciled.
M-PESA cost to pay HFC (2026 Safaricom tariff)
Total customer fee when paying paybill 100400 from M-PESA at common amounts. Fees are the standard Safaricom paybill bracket; some government services (eCitizen, KRA, NHIF/SHA) are zero-rated and these fees may be waived.
| If you pay HFC | M-PESA fee | Total off your M-PESA |
|---|---|---|
| KES 200 | KES 5 | KES 205 |
| KES 500 | KES 5 | KES 505 |
| KES 1,000 | KES 10 | KES 1,010 |
| KES 2,500 | KES 20 | KES 2,520 |
| KES 10,000 | KES 48 | KES 10,048 |
| KES 50,000 | KES 67 | KES 50,067 |
Free for amounts up to KES 100. HFC does not charge its own fee on top of the M-PESA tariff; what you see is what you pay.
See full M-PESA fee bands, limits, and the 20% excise duty explained for every amount up to KES 250,000.
HFC payment not working? Top fixes
Common failure modes when paying HFC via M-PESA, with the first fix to try. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Recipient says their bank account was not credited even though M-PESA shows the transfer succeeded.
Confirm the account number in the M-PESA SMS exactly matches the recipient account. Banks typically credit M-PESA deposits within 30 minutes; if longer than 2 hours, the recipient should call the bank with the M-PESA code. Most banks can trace M-PESA-to-bank within 24 hours.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
M-PESA paybill cost
What does paying HFC cost you?
For KES 2,500 to HFC (paybill 100400), you pay KES 33 on top (total KES 2,533 debited from M-PESA). The fee is set by Safaricom, not by the paybill.
Result
Fee
KES 20
Total cost
KES 2,520
Free for transactions up to KES 100.
Some paybills (e.g., government services on eCitizen) are zero-rated, Safaricom waives the customer fee. Confirm with the receiving entity.
Fees are typically lower than Send Money for the same amount.
Updated for 2026 Safaricom tariffs. Verify on safaricom.co.ke before sending large amounts.
How to pay HFC
M-Pesa
Pay via M-Pesa 100 400
- Open M-Pesa, dial *334# or open the M-Pesa app.
- Select Lipa na M-Pesa, then Pay Bill.
- Enter Business Number: 100 400
- Enter Account (Account Number): Your HFC account or mortgage reference.
- Enter the amount, in KES.
- Enter your M-Pesa PIN and confirm. You'll get an SMS confirmation.
Account format
Account Number: Your HFC account or mortgage reference.
HFC payment not working? Top fixes
Common failure modes when paying HFC via M-PESA, with the first fix to try. If none of these resolve it, the 10-character M-PESA transaction code is the universal proof of payment, keep the SMS until the issue clears.
Recipient says their bank account was not credited even though M-PESA shows the transfer succeeded.
Confirm the account number in the M-PESA SMS exactly matches the recipient account. Banks typically credit M-PESA deposits within 30 minutes; if longer than 2 hours, the recipient should call the bank with the M-PESA code. Most banks can trace M-PESA-to-bank within 24 hours.
You sent to the wrong account number and need the money back.
Call the bank immediately: most can hold and reverse the funds if the recipient account has not yet been credited (or if the recipient agrees to return them). Once funds have settled into a third party account, the bank cannot unilaterally reverse; it becomes a legal recovery matter.
Still stuck? How to reverse an M-PESA transaction and M-PESA error code lookup.
HFC USSD code
Beyond paying via M-PESA, HFC customers can manage their account directly through the HFC Bank USSD shortcut, free from any phone with no internet:
*618#Tap to dial on phoneHF Group mortgage and retail banking.
- Balance
- Transfers
- Mortgage management
- Bill pay
Calculator preview
M-Pesa fees for HFC
| Amount | M-Pesa fee | Total cost | % fee |
|---|---|---|---|
| KES 50 | Free | KES 50 | , |
| KES 200 | KES 5 | KES 205 | 2.50% |
| KES 1,000 | KES 10 | KES 1,010 | 1.00% |
| KES 5,000 | KES 34 | KES 5,034 | 0.68% |
| KES 20,000 | KES 62 | KES 20,062 | 0.31% |
About HFC
Send money from M-Pesa to an HFC (Housing Finance) account or pay your mortgage.
- Sector
- Bank
- Official site
- hfgroup.co.ke
Frequently asked about HFC
What is HFC's paybill number?
HFC's M-Pesa paybill is 100400. Send money from M-Pesa to an HFC (Housing Finance) account or pay your mortgage.
How do I pay HFC via M-Pesa?
Open M-Pesa, select Lipa na M-Pesa, then Pay Bill. Enter business number 100400, then your account (Your HFC account or mortgage reference.), then the amount, then confirm with your M-Pesa PIN.
What account number do I use for HFC?
Your HFC account or mortgage reference.
Can I pay HFC from abroad?
Yes, diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to HFC's paybill 100 400. Compare fees on our diaspora hub before sending.
What are the M-Pesa fees for paying HFC?
M-Pesa charges a transaction fee based on the amount sent. Use our M-Pesa fees calculator to see the exact 2026 cost for any amount.
What if I pay the wrong amount or use the wrong paybill?
Contact HFC support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal, though success isn't guaranteed.
How do I confirm my payment to HFC went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code, it's your proof of payment. HFC should also confirm receipt via their channels.
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Paybill displayed: 100 400 (mpesa paybill). How we verify.