What is the official website of the payment service?
https://housingfinance.co.ke
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
Customer support contacts can be found on the Contact Us page of the official website in the footer and main menu.
What is the hotline phone number?
+254711079079
Is there a toll-free support number?
No dedicated toll-free number is listed; customers typically use the main hotline or local branch contacts.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Yes, Housing Finance Bank often provides department-specific emails for loans, mortgages, and general inquiries.
Where can I find the online chat support?
Online chat support, if available, is typically located on the official website or through the mobile app interface.
Does the chat support work 24/7?
Online chat support commonly operates during regular business hours, not usually 24/7; users should check for exact times.
Is there support through messengers (Telegram, WhatsApp)?
Some banks support WhatsApp for customer service; check the official site for Housing Finance Bank's messenger contacts.
What are the support working hours?
Support usually operates from 8:00am to 5:00pm on weekdays, with limited availability on Saturdays.
Does support work on weekends and holidays?
Support may be available for essential banking services on Saturdays; holidays typically have reduced coverage.
Are there regional offices for in-person visits?
Housing Finance Bank has branches and regional offices across Kenya for in-person visits and banking services.
Where are the physical offices located?
Main office at Rehani House, Kenyatta Avenue, Nairobi; branches are located in major cities and towns countrywide.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting a branch directly or through an online booking form if available.
Are there representatives in different countries?
Housing Finance Bank operates only in Kenya, with no representatives in other countries.
In which languages is support available?
Support is primarily available in English and Swahili, Kenya's official languages.
How quickly does support respond to requests?
Response time via hotline is typically within minutes; email and online forms may take 1–2 business days.
Is there a priority system for VIP clients?
Banks commonly offer priority service and dedicated account managers for premium or VIP clients.
Can I request a callback?
Callback requests are typically supported via website forms or through hotline staff for follow-up consultations.
When was the payment service founded?
Housing Finance Bank was founded in 1965.
Who is the founder and owner of the service?
Housing Finance Bank was founded by the Government of Kenya, Commonwealth Development Corporation, and SIDA; now publicly listed.
What is the development history of the payment service?
Established to promote home ownership, expanded to full banking status, and added digital services over decades.
Have there been major updates or rebranding?
Significant updates include conversion to a fully licensed bank and introduction of internet/mobile banking.
Who sits on the company's board of directors?
The board consists of appointed executives and independent directors, listed on the official website.
Are there investors or partners in the service?
Major shareholders include the Kenyan government, CDC Group, and public investors from the Nairobi Securities Exchange.
Does the company participate in stock trading?
Yes, Housing Finance Bank is listed on the Nairobi Securities Exchange.
What is the company's market capitalization?
Market capitalization fluctuates; up-to-date value is available from the Nairobi Securities Exchange.
Are there subsidiary companies or branches?
Housing Finance Bank has multiple branches but few major subsidiaries; detailed lists are on the company website.
What licenses does the payment service have?
Licensed by the Central Bank of Kenya as a commercial bank, mortgage lender, and payment provider.
In which jurisdictions does the service operate officially?
Housing Finance Bank is licensed to operate throughout Kenya.
Are there licenses for cryptocurrency operations?
There are currently no publicly listed cryptocurrency operational licenses for Housing Finance Bank.
Does the service comply with AML/KYC requirements?
Yes, strict AML and KYC policies are implemented per Kenyan regulations for all financial services.
Are there security certificates (PCI DSS, etc.)?
Banks typically comply with PCI DSS for card payments and use SSL certificates for secure online banking.
Has the service undergone security audits?
Licensed banks are periodically audited; Housing Finance Bank undergoes regulatory and IT security audits.
Is there insurance for client funds?
Client deposits are insured up to statutory limits by Kenya Deposit Insurance Corporation.
Which international standards does it comply with?
Compliance includes international banking, AML, PCI DSS, and ISO data security standards where applicable.
Have there been any regulatory fines or violations?
No major regulatory violations for Housing Finance Bank are publicly listed in recent years.
Where can I find real reviews about the service?
Real user reviews can be found on Google, Facebook, Trustpilot, and the Nairobi Securities Exchange website.
What are the main user complaints?
Common complaints include transaction delays, challenges with mortgage servicing, and slow branch processes.
What do users most often praise the service for?
Users value expertise in housing finance, home loan products, and friendly in-branch service.
Are there issues with fund withdrawals?
Some users report delays in non-cash withdrawals and interbank transfers, typically resolved after verification.
Is the interface convenient according to users?
Most users find digital platforms functional but sometimes lacking newer user experience features.
Are clients satisfied with transaction speed?
Satisfaction with transaction speed is moderate; quicker in-branch operations, slower interbank transfers reported.
Do users recommend this service?
Most existing mortgage clients and homebuyers recommend Housing Finance Bank for related services.
How do experts assess the service's reliability?
Experts rate the bank as stable and compliant with regulatory standards, especially for mortgage financing.
Are there industry awards and recognitions?
Housing Finance Bank has won awards for Best Mortgage Provider and industry innovation in East Africa.
Does the service participate in payment system rankings?
Yes, it is ranked among Kenya’s top mortgage and housing finance institutions.
Are there recommendations from financial regulators?
Housing Finance Bank is regularly cited as a model institution for home finance by the Central Bank of Kenya.
What reputation does the service have among partners?
The bank has a strong reputation for reliability and professionalism among developers and corporate partners.
How do they evaluate solution innovation?
Recognized for mortgage product innovation, digital payment solutions, and home purchase facilitation.
Are there quality service certificates?
Banks typically receive ISO certifications and banking quality service awards; details can be found on company site.
Does the company participate in industry conferences?
Yes, Housing Finance Bank regularly participates in banking, mortgage, and real estate conferences.
How does the service position itself in the market?
Housing Finance Bank positions itself as a leader in housing finance, aiming for affordability and customer-centric service.
Which fiat currencies does the service support?
The Kenyan shilling (KES) is the main supported currency for all transactions.
Are cryptocurrencies supported? Which ones specifically?
Housing Finance Bank does not support cryptocurrency operations at this time.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or digital token is offered.
Can currencies be converted within the service?
Currency conversion is available for major world currencies at branches and through partnerships.
What exchange rates are used for conversion?
Exchange rates are set by the bank and updated regularly, based on prevailing market rates.
How often are exchange rates updated?
Exchange rates are typically updated daily or more frequently based on market fluctuations.
Are stablecoins supported?
Stablecoins are not supported by Housing Finance Bank.
Can exotic currencies be handled?
Some exotic currencies may be supported upon request, subject to availability and regulatory checks.
Are there currency restrictions in different countries?
Currency operations comply with Kenyan law and central bank rules, with additional restrictions for sanctioned jurisdictions.
What types of transfers does the service support?
Supports domestic interbank transfers, SWIFT/RTGS, mobile money transfers, and in-bank account payments.
Can transfers be made between service users?
Yes, internal transfers between Housing Finance Bank accounts are supported and processed instantly.
Are transfers to bank cards supported?
Transfers to debit cards are possible; credit card transfers may require additional steps or third-party processing.
Can money be transferred to bank accounts?
Yes, supports transfers to any licensed Kenyan bank account via electronic or manual payment methods.
Is bill payment available?
Bill payment for utilities, government fees, and telecom services is available through online banking and branches.
Are recurring payments supported?
Recurring and scheduled payment options can be set up for loans, utility bills, and other regular expenses.
Can automatic transfers be set up?
Automatic transfer scheduling is available via online banking and mobile app platforms.
Is payment scheduling available?
Payment scheduling for future-dated transactions is provided via the platform.
Are group payments supported?
Some platforms support group or joint payments; users should inquire at branches for specifics.
Can payment links be created?
Payment links are not a standard feature; third-party integrations may allow invoice sharing or payment requests.
What are the minimum transaction amounts in the service?
Minimums vary by transaction type; typically KES100 for most electronic transfers and deposits.
What are the maximum amounts that can be transferred?
Maximum transaction limits depend on account type, verification status, and regulatory limits.
Are there daily limits on operations?
Daily transaction limits are set by the bank and may differ for individual and business customers.
What monthly and annual limits are in effect?
Monthly and annual transaction limits follow national banking regulations and internal risk policies.
Can limits be increased? How?
Limits may be increased upon request, subject to further account verification and bank approval.
Do limits differ for verified users?
Verified and premium users are typically granted higher transaction limits than standard account holders.
Are there restrictions for new accounts?
New accounts often have lower transaction and withdrawal limits, pending completion of KYC/AML checks.
Do special limits apply in different countries?
As a Kenya-based service, foreign transaction limits are subject to central bank and international standards.
Can operations be temporarily blocked?
Operations can be temporarily blocked for security, suspicious activity, or regulatory review.
Are there limits on the number of daily operations?
Daily transaction count limits may exist to prevent fraud and comply with banking regulations.
What are the minimum amounts for account funding?
Minimum deposit amount is usually KES100, varying by funding method and account type.
What methods of funding are supported?
Accepted funding methods include cash deposits, bank transfers, M-Pesa, RTGS, and cheque deposits.
Are there fees for funding?
Funding via cash is typically free; electronic and cheque deposits may incur minor fees.
What are the minimum funding amounts?
Minimum funding via M-Pesa or cash is usually KES100; other methods may vary.
How quickly are funds credited when funding?
Cash and M-Pesa are usually instant; bank transfers may take up to one business day.
How can money be withdrawn from the system?
Withdrawals can be made at branches, via ATM, or to M-Pesa/bank accounts.
Are there fees for fund withdrawal?
Withdrawal fees depend on method; ATM fees apply, while M-Pesa and bank transfers may also be charged.
How long does withdrawal take?
ATM and cash withdrawals are instant; electronic transfers generally process within one business day.
What withdrawal limits are set?
Withdrawal limits exist for ATM, M-Pesa, and branch operations, varying by account type and verification status.
How quickly are funds credited when funding with a card?
Card-based funding is generally credited instantly or within minutes.
How long does a bank transfer take?
Bank transfers within Kenya typically arrive same-day or within one business day.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported by Housing Finance Bank.
Are transfers between users instant?
Transfers between Housing Finance Bank accounts are processed instantly.
Are there delays when funding on weekends?
Weekend funding via ATM or mobile money is instant; bank transfers may be delayed until the next business day.
Do holidays affect funding speed?
Funding times may be affected during public holidays, with processing resuming on the next business day.
Can crediting be accelerated for a fee?
Express crediting options are usually unavailable; standard processing times apply.
What determines the speed of funding processing?
Funding speed depends on method used, banking hours, regulatory checks, and system load.
Are there notifications about funding status?
Customers receive SMS or email notifications concerning account funding and transaction status.
What to do if funding takes too long?
Contact branch or customer support, provide transaction details for investigation and resolution.
How quickly are withdrawal requests processed?
Requests at branches and ATMs are processed instantly; electronic transfers usually within one business day.
How long does card withdrawal take?
Card withdrawals from ATMs are credited immediately.
How quickly do bank transfers arrive?
Bank transfers are typically completed within one business day, though delays may occur.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
Weekend processing for electronic transfers may be delayed until the next business day.
Do holidays affect withdrawal speed?
Withdrawals initiated during holidays may be processed the following business day.
Can withdrawal be accelerated for an additional fee?
No express withdrawal service is typically offered; standard processing applies.
What determines withdrawal processing time?
Withdrawal speed is influenced by transaction method, verification steps, and banking hours.
Are there notifications about withdrawal status?
SMS and email notifications are sent for withdrawal status updates.
Can a withdrawal request be canceled?
Withdrawal requests can be canceled if still pending; processed transactions are final.
How to register with the payment service?
Register by visiting a branch, submitting personal data, and completing the application process; online forms may also be available.
What data is needed to create an account?
Required information includes full name, national ID or passport, address, date of birth, and contact details.
Can registration be done without email?
Registration usually requires an email or phone number for account verification and notifications.
Is phone confirmation required during registration?
Phone confirmation is often required for mobile banking activation and account security.
Are there age restrictions for registration?
Users must be at least 18 years old to open an account.
Can a corporate account be created?
Housing Finance Bank offers corporate accounts; registration requires company documents and authorized signatories.
Is it required to provide real data?
Only genuine personal and corporate data is accepted to comply with KYC/AML requirements.
Are there country restrictions for registration?
Only Kenyan residents and qualifying foreigners may register, subject to compliance checks.
How long does account activation take?
Account activation is typically within 1–2 business days following successful document verification.
What verification levels exist?
Verification levels include basic (ID and address) and enhanced (additional documents for higher limits).
What documents are required for basic verification?
National ID or passport and proof of address, such as a utility bill, are required.
Are documents needed for full verification?
Full verification requires employment or income proof, extra IDs, and possibly a bank reference letter.
Are digital copies of documents accepted?
Digital copies are accepted for online registration, but originals may be required during in-person account opening.
How long does the verification procedure take?
Verification processing takes 1–5 business days, depending on document complexity and volume.
Can the service be used without verification?
Limited services are available before full verification, such as viewing account details only.
What restrictions apply to unverified users?
Unverified users face transaction limits and may not access all banking functions until verification is complete.
Is address confirmation required?
Proof of address is mandatory for account activation and verification.
Is a selfie with documents required?
Photo ID submission may include a selfie with documents for enhanced security and online registration.
How often do documents need to be updated?
Document updates are needed when documents expire, change, or in compliance with regulatory reviews.
What encryption technologies does the service use?
Banking systems use SSL encryption, secure APIs, and data protection protocols to safeguard customer data.
Is two-factor authentication supported?
2FA is supported for online and mobile banking using SMS codes or authenticator apps.
Are there SMS confirmations for operations?
SMS confirmations secure high-value or sensitive transactions and login attempts.
Is biometric authentication supported?
Biometric login features are available on select mobile banking applications.
Is blockchain technology used?
Blockchain technology is not currently used by Housing Finance Bank.
Is there a multi-level security system?
Security uses multiple layers, including authentication, encryption, fraud monitoring, and regulatory controls.
How is user personal data protected?
Customer data is protected with encryption, restricted access, and adherence to data privacy protection regulations.
Is cold storage used for cryptocurrencies?
Not applicable; cryptocurrency operations are not supported.
Is there DDoS attack protection?
DDoS protection measures such as firewalls and filtering are in place for online banking platforms.
Are regular security audits conducted?
Regular security audits are conducted internally and by external regulatory bodies.
What anti-phishing protection measures are provided?
Anti-phishing protocols include website warnings, secure login guidance, and suspicious activity monitoring.
Is there a suspicious activity detection system?
Fraud detection systems monitor transactions for anomalies indicative of suspicious activity.
How does the service combat money laundering?
AML processes include transaction monitoring, identity checks, and regulatory compliance reporting.
Is there blocking of suspicious accounts?
Accounts with suspicious activity are temporarily blocked pending investigation and additional verification.
What to do when fraud is detected?
Immediately notify the bank, document incident details, and follow fraud response instructions for secure resolution.
How to report suspicious activity?
Report via hotline, email, in-person branch visit, or dedicated online banking forms for suspicious activities.
Is there compensation for damage from fraudsters?
Compensation for fraud is handled per insurance and bank policy after investigation and validation.
What user rights exist for disputed transactions?
Dispute resolution includes review, formal investigation, and reimbursement if claims are validated.
How to dispute account blocking?
Dispute account blocking by contacting customer service and submitting supporting documents.
Is there insurance against cyber attacks?
Most banks insure against cyber incidents; coverage details are provided in account agreements.
What fees does the service charge for transfers?
Transfer fees depend on method, amount, and target destination; rates are disclosed at transaction time.
Are there fees for account funding?
Some funding methods are free; others, such as mobile or interbank, may incur fees.
Are fees charged for fund withdrawal?
Withdrawal fees vary by method; ATM and mobile money withdrawals typically have set bank fees.
Are there fees for currency conversion?
Yes, currency conversion fees are charged and disclosed prior to transaction confirmation.
Are there fees for account inactivity?
Inactivity fees may apply after prolonged account dormancy, subject to terms and conditions.
Are there account maintenance fees?
Account maintenance fees may be charged monthly depending on account type and services used.
Are fees charged for operation cancellation?
Transaction cancellation may incur fees if already processed, according to the bank's schedule.
Are there hidden fees?
All fees must be disclosed under regulatory transparency standards prior to transaction confirmation.
How are fees calculated for large amounts?
Large transaction fees are calculated per tariff schedule or negotiated for business/VIP accounts.
Are there different tariff plans in the service?
Banks offer different tariff plans for personal, business, and corporate clients.
What advantages does VIP status provide?
VIP clients receive higher limits, priority support, and possibly reduced fees.
How to get preferential conditions?
Preferential conditions require meeting deposit, transaction, or account tenure thresholds, or by bank invitation.
Are there free operations per month?
Some account types include a limited number of free transactions monthly; excess incurs standard fees.
Are there discounts for active users?
Volume discounts or preferential pricing may be offered to active or high-transaction customers.
Are there corporate tariffs?
Corporate clients have access to specialized tariff plans and fee structures.
Can individual conditions be obtained?
Custom pricing or terms may be negotiated for large or high-value accounts.
Do promotional codes work for fee reduction?
Promotional codes may occasionally be used for fee waivers or service discounts.
Are there cashback programs?
Select partnerships or account types may offer cashback on transactions; details vary by product.
Are there discounts for transaction volumes?
High-volume accounts may qualify for fee discounts upon meeting set thresholds.
Is there an official mobile application?
Housing Finance Bank’s official mobile banking app is available.
On which platforms is the application available?
The mobile application is available on Android and iOS.
What functions are available in the mobile application?
Functions include account management, transfers, bill payment, loan applications, and balance checking.
Does functionality differ from the web version?
Some app features may differ or be limited compared to the web platform; core banking functions are similar.
Is Touch ID/Face ID supported?
Biometric logins like Touch ID/Face ID are supported for secure access to the mobile app.
Can the application work offline?
Offline functionality is limited to viewing cached data; online access is required for transactions.
Are there push notifications about operations?
Push notifications for payments, transfers, and account activity are available.
Is dark theme supported?
Dark mode support depends on mobile app version and operating system.
How often is the mobile application updated?
Updates are released several times a year with new features and security enhancements.
Are there beta versions of the application?
Beta testing opportunities may be available for select users; check with the developer or app store.
Is the web interface of the service convenient?
The web platform is widely considered user-friendly for banking, lending, and payment functions.
Is responsive design supported?
Responsive web design is implemented for compatibility with desktop and mobile browsers.
In which languages is the interface available?
Interface supports English and Swahili.
Is there a night mode for the website?
Night mode or dark theme may be available depending on platform updates.
Are hotkeys supported?
Keyboard shortcuts are rarely supported for banking platforms due to security considerations.
Can data be exported?
Users can export bank statements and transaction histories in PDF or Excel formats.
Is there an API for developers?
Third-party API integration may be available for business clients; details upon request.
Is integration with other services supported?
Integration with external payment processors and mobile money services is offered.
How often is the web interface updated?
Web platform receives regular maintenance and feature updates, typically quarterly.
Are there virtual cards in the service?
Virtual card issuance may be supported for online purchases and enhanced security.
Can disposable cards be created?
Some platforms offer disposable or single-use cards for specific transactions.
Is multi-currency account functionality supported?
Multi-currency accounts may be available, subject to regulatory approval.
Are there investment products?
Housing Finance Bank provides investment accounts and related financial products.
Can interest be earned on balance?
Interest is paid on qualifying savings and fixed deposit account balances.
Are there credit products?
Credit products, including personal loans and mortgages, are offered to eligible clients.
Is P2P trading supported?
Peer-to-peer trading is not supported by Housing Finance Bank.
Can cryptocurrencies be bought/sold?
The bank does not offer cryptocurrency trading or exchange services.
Is there acquiring for business?
Merchant acquiring for business payment processing is available.
Are mass payouts supported?
Bulk payment solutions can be arranged for business clients processing payroll or supplier payments.
Is there a loyalty program in the service?
Loyalty and rewards programs may be available on select products.
How are bonus points earned?
Bonus points are earned through account activity, credit card spending, or participation in promotional campaigns.
Is there cashback for operations?
Cashback is available for some credit card transactions and promotional campaigns.
Are there referral programs?
Referral programs reward clients for bringing new customers; terms vary by campaign.
What privileges do VIP clients have?
VIP clients get dedicated managers, preferential rates, and expedited service.
Are there seasonal promotions and offers?
Seasonal and promotional campaigns are run periodically for products and services.
Can premium status be obtained?
Premium account status can be achieved based on account activity, deposits, or by request.
Are there partner discounts?
Partnerships with merchants may offer client discounts on products and services.
Are there corporate loyalty programs?
Corporate loyalty and rewards programs may be available for business clients.
Does the service allow operations with online casinos?
Most banks restrict transactions with online gambling businesses per regulations.
Are there restrictions on gambling transactions?
Gambling transactions are subject to legal and bank compliance restrictions in Kenya.
Can accounts be blocked for casino play?
Suspicious gambling-related activity may result in account suspension or closer scrutiny.
How does the service view gambling?
Gambling transactions are treated with caution due to legal and reputational considerations.
Are there special conditions for gambling?
Special terms, higher scrutiny, or outright restrictions may apply for gambling-related transactions.
Are casino transactions tracked?
Gambling payments are monitored for compliance with AML and risk management policies.
Can operations with gambling sites be hidden?
Transactions must be transparent; masking gambling-related activity violates bank regulations.
Are there notifications about gambling expenses?
Banks may send alerts or notifications when unusual gambling-related spending is detected.
Are there special fees for gambling operations?
Special fees may apply to gambling-related transactions under the bank’s compliance policy.
Can limits be set on gambling?
Spending limits for gambling can sometimes be set at the account or card level.
Is there a self-exclusion function?
Bank-supported self-exclusion features for gambling may be available through customer service requests.
Can access to gambling sites be restricted?
Transactions to known gambling sites can be blocked at the client’s request or per regulatory policy.
Is gambling expense control supported?
Tools are sometimes provided to help monitor and restrict gambling expenditures.
Are there notifications about limit exceedance?
Spending or gambling limit breaches trigger SMS or email notifications.
Can operations with casinos be blocked?
Casinos and betting site transactions can be blocked upon client request or for compliance reasons.
Is there gambling expense statistics?
Some platforms provide spending analysis and reporting for gambling transactions.
Is a "cooling-off period" supported?
Cooling-off periods for gambling-related activities may be supported as part of responsible banking.
Can help be obtained for gambling addiction?
Banks may refer clients to counseling services and responsible gambling organizations.
Is there partnership with player assistance organizations?
Partnerships with addiction service providers may exist for client referral.
How to set up gambling expense notifications?
Notifications can be configured in online banking platforms or by contacting customer service.
Which online casinos accept this payment method?
Kenyan banking regulations limit direct payments to online casinos; acceptance varies by casino.
Are there exclusive partnerships with specific casinos?
Exclusive partnerships with online casinos are uncommon due to regulatory restrictions.
Do conditions differ when used in different casinos?
Terms for payments differ based on each casino’s banking partnerships and compliance.
Are there special bonuses for using this method in casinos?
Special bonuses at casinos for using Housing Finance Bank are rare due to compliance rules.
Can the method be used for both deposits and withdrawals in casinos?
Deposits and withdrawals at casinos are typically restricted or subject to bank approval.
Are there geographic restrictions for casino usage?
Kenyan regulatory policy governs online gambling; bank usage may be restricted for certain jurisdictions.
How do casino operators typically process transactions from this method?
Casino payments are processed via bank transfer or card, but may be declined due to compliance.
Are there typical processing times when used with casinos?
Transfers to casinos may be delayed or declined, depending on internal compliance review.
Do casinos usually charge additional fees for this method?
Casinos may impose fees for bank deposits, but availability and costs vary significantly.
Are there any known compatibility issues with major casino platforms?
Due to compliance and regional restrictions, compatibility may be limited with major online casino platforms.