HFC Whizz

HFC Whizz is a mobile banking app that puts financial control in your hands with secure account management, instant transfers, flexible lending, and seamless payments — all regulated by the Central Bank of Kenya.

Take charge of your finances with comprehensive account management tools. Verify transactions using one-time passwords, view statements securely, and monitor balances across multiple accounts. Real-time SMS alerts keep you informed of every transaction, while built-in expense tracking and monthly budget management help you stay on top of your spending. Save your payment contacts for quick, effortless management of your financial details.

Move money freely and conveniently between mobile money wallets and your HFC Whizz account. Set up virtual savings accounts directly through the app, establish savings targets, and earn competitive returns on your savings. Every transfer comes with a unique transaction reference for transparent budgeting and expense tracking.

Send money instantly to mobile wallets, transfer funds to any bank account in Kenya via Real Time Gross Settlement, or use Pesalink to reach any bank account or mobile number nationwide. You'll receive immediate SMS alerts with transaction references for complete visibility and control.

Pay bills, utilities, and airtime without hassle. Automated SMS reminders arrive with accurate amounts before due dates, visible on your app for easy reference. Pay to mobile money merchants, paybill numbers, or POS terminals directly from the app and receive instant transaction references for real-time verification. Reload airtime for any mobile network in Kenya with just a few taps.

Borrow instantly with flexible loan options ranging from KES 1,000 to KES 250,000. Loans up to KES 29,999 offer tenures up to one month, while larger amounts provide one or three-month flexibility. With a maximum APR of 9.061% per annum and no hidden fees, interest is deducted upfront so you know exactly what you're repaying. HFC Whizz uses advanced data-driven algorithms to assess creditworthiness, enabling purpose-led lending for needs like school fees.

Your privacy and security are paramount. HFC Whizz is regulated by the Central Bank of Kenya and complies with the Prudential Guidelines, Consumer Protection Act, and global data protection standards. We request access to SMS history for identity verification and credit assessment, and call logs for fraud detection — all with your explicit consent.

Download HFC Whizz today and experience banking designed for your financial freedom, backed by HFC Group, a publicly listed bank regulated by both the Central Bank of Kenya and the Capital Markets Authority.