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Make payments and enjoy easy access to your funds with the elephant in your wallet!

Co-operative Bank is Regulated by the Central Bank of Kenya.

HELB Smart Card

Enjoy convenience by accessing your money through the Co-op Bank HELB Card 

The HELB Smart Card is a pre-loaded card that allows college students easy access to their money. The card is also used to make purchases and/or withdraw cash from any VISA Branded ATMs countrywide as well as Co-operative Bank agents.

The card is issued to the student and is linked centrally to a sponsoring university/college. In addition, the card is used to access HELB disbursements. Sponsors and students can also load funds into the card at Co-op branches, Co-op Kwa Jirani agents, Co-op Banks ATMs, and MCo-op Cash. 


The card’s features include the following:

  1. Multi-wallet card with 3 wallet accounts (Tuition, Upkeep & VISA)
  2. The student’s names 
  3. The university’s name and logo
  4. The student’s photo
  5. The student’s course 
  6. The student’s registration number
  7. Access barcode at the back of the card
  8. Usage at any VISA branded ATMs and POS terminals worldwide
  9. The card will be Near Field Communication (NFC) enabled 
  10. Ability to receive funds from other sources like HELB
  11. Reloadable on the VISA wallet
Benefits to Cardholders
  1. Security
  2. Convenience/suitability
  3. Better budgeting and planning tool
  4. Several transaction access points, for example, Co-op ATMs, Agents, VISA branded ATMs and Merchants
  5. Ease of use anywhere/availability 
  6. Flexibility of disbursements
Benefits to the University/College
  1. Operational efficiency, that is, admissions, library services etc.
  2. Access controls within campus, that is, access to library, exam rooms etc.
  3. Dedicated relationship support
  4. Convenience for students
  5. Ease of implementation
  6. Account monitoring and reconciliation for the card accounts
  7. Call centre support services
  1. Duly signed application/contract agreement between the University and Co-op Bank 
  2. Signed mass data upload instructions for all prospective cardholders by the University
General Safety Information
  1. DO NOT share your PIN
  2. DO NOT write your PIN on the card or anywhere else
  3. Keep your card safe at all times

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