HFC Limited (Housing Finance)
Send money from M-Pesa to an HFC (Housing Finance) account or pay your mortgage.
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 feeHow 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.
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.
Further reading
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Paybill displayed: 100 400 (mpesa paybill). How we verify.