Fuliza

Ever tried sending money or paying a bill only to realize your M-PESA balance isn’t enough? Fuliza is an overdraft service that lets you complete your M-PESA transactions even when your account is short. 

To use Fuliza, you must be registered on M-PESA with an active Safaricom line and you need to opt in to the service. 

Eligibility 

• M-PESA customers registered with a Kenyan ID, passport, or Military ID can activate Fuliza. 
• Customers registered with a foreign passport cannot opt in. 
• Once you opt in, you’ll be assigned a Fuliza limit, which is the maximum overdraft you can access. 
• How to opt in 
• Dial *334# 
• Select Loans and Savings > Fuliza 
• Select Opt In 

With Fuliza you can: 

• Request multiple times as long as it’s within your limit 
• Send money to both registered and unregistered M-PESA customers. 
• Pay for goods and services via Lipa Na M-PESA (Buy Goods and Pay Bill). 
• Buy airtime for yourself or others through USSD or the M-PESA app. 

Your Fuliza limit 

• Your limit is assigned when you activate Fuliza, based on your usage of Safaricom and M-PESA services. 
• You must have been active on the network for at least 6 months to receive a limit. Customers with less than 6 months of activity will have a zero limit. 
• To grow your limit, use M-PESA frequently and repay your Fuliza balance on time by topping up your account. 
• Limits may be reviewed up or down depending on your usage and repayment history. 

Fuliza Charges 

• A one-off 1% access fee is charged when you use Fuliza and a daily maintenance fee is applied from the next day at midnight. 
• A 20% excise duty is applied to the daily maintenance fee. The Daily Maintenance fee is charged on the outstanding amount as shown on the table below: 

 Frequently Asked Questions