Fuliza M-Pesa is an overdraft facility offered by Safaricom and NCBA Bank to M-Pesa users who lack sufficient funds in their M-Pesa accounts to complete transactions. In this guide, we will walk you through the process of using the Fuliza M-Pesa service.

Let’s Begin;

How to Utilize the Fuliza Mpesa Loan Eligibility Criteria Before getting started with Fuliza, there are certain requirements you must meet. You should:

  1. Be a registered user of M-PESA.
  2. Have an active Safaricom line for a minimum of six months.

Once you meet these criteria, follow the steps below to activate your Fuliza Limit:

Step 1: Enroll in Fuliza

  1. Dial *234# on your mobile phone.
  2. Select option 0, which corresponds to Fuliza M-Pesa.
  3. Next, choose option 1 (yes) to initiate the process.
  4. Enter 98 followed by 1 to accept Fuliza M-Pesa’s terms and conditions.

Congratulations, you have successfully enrolled in Fuliza. Shortly, you will receive a message informing you of your loan limit. To check your Fuliza limit at any time, dial *2345#.

Step 2: Utilizing Fuliza Once you have enrolled in Fuliza Mpesa and checked your limit, you can proceed to complete a transaction when you have insufficient funds. Here’s how it works: When conducting a transaction on M-PESA with an insufficient account balance, Fuliza will automatically kick in and utilize the limit provided by Safaricom in combination with your existing funds to finalize the transaction.

In other words, if you make a transaction that exceeds the current balance in your M-PESA account, Safaricom will prompt you to use Fuliza to complete the transaction. Select “OK” and enter your PIN to confirm.

It is also possible to withdraw cash or purchase airtime directly through Fuliza. Simply perform a regular transaction on Mpesa, and voila! You will get what you need.

For steps on increasing your Fuliza limit, please refer to the corresponding section.

Step 3: Checking Fuliza Balance To check your Fuliza balance, dial *2346*1#.

Repayment Process for Fuliza Loan The repayment process for Fuliza is automatic. Whenever you receive money in your M-Pesa account, Safaricom will deduct the necessary amount to repay your Fuliza loan until the limit is reinstated.

This feature simplifies the management of your Fuliza loan.

Fuliza Charges and Tariffs As indicated below, there is a 1% access maintenance fee based on your outstanding Fuliza balance. Additionally, Safaricom M-Pesa Charges will apply whenever you transact using Fuliza.

Daily Fuliza Charges and Tariffs

Tariff BandOld Daily Maintenance FeeNew Daily Maintenance Fee
101-5005.00Free for first 3 days 2.50 after
501-100010.00Free for first 3 days 5.00 after

How Fuliza Works Fuliza M-PESA is a service jointly provided by Safaricom and NCBA Bank. It enables all M-PESA customers to complete transactions even when their Mpesa accounts have low or insufficient funds. This service functions similarly to an overdraft facility, allowing users to borrow up to Kshs. 70,000 for a period of 30 days.

With Fuliza, you can withdraw and send money, pay for goods and services, or purchase airtime, even when your account balance is zero.

To utilize Fuliza M-PESA, customers must first enroll in the service by dialing *234# on their Safaricom lines and following the provided prompts. Once enrolled, they can utilize the Fuliza M-PESA facility whenever they lack sufficient funds in their account.