How to fuliza mpesa


Fuliza is an MPESA overdraft facility by Safaricom which allows you to seek a small loan even if you have zero balance on your MPESA account.To join Fuliza dial *234#

You need to be an M-PESA registered customers with an active Safaricom line. Dial *234# and select Fuliza M-PESA to opt in.

Here are all the details about Fuliza:

  1. What is Fuliza M-PESA?

This is a service that allows M-PESA customers to complete their M-PESA transactions when they have insufficient funds in their M-PESA account.

  1. What are the requirements and how do I activate Fuliza M-PESA Service?

You need to be an M-PESA registered customers with an active Safaricom line. Dial *234# and select Fuliza M-PESA to opt in.

  1. How many accounts can I hold for Fuliza M-PESA services?

Every M-PESA registered line will be treated as a different account. Each mobile number will qualify for Fuliza M-PESA and will be awarded a limit. This limit will be reviewed every 3 months depending on your usage.

  1. How will I know my Fuliza M-PESA account details?

Dial *234# and Select Fuliza M-PESA to check your limit, balance, mini statement and opt out option. Every time you transact using Fuliza, you will receive an sms with the outstanding Fuliza amount.

  1. How many times can I use Fuliza M-PESA?

You can use it as many times as needed as long as you are within the allocated Fuliza M-PESA limit.

  1. Which M-PESA transactions can I complete using Fuliza M-PESA?
  • Lipa Na M-PESA: Buy goods and Paybill as well as Send money.
  1. How do I use my Fuliza limit?

All you need to do is transact normally on M-PESA and if you have insufficient funds, Fuliza M-PESA will cover the shortfall.

  1. How do I grow my Fuliza M-PESA limit?

Continue using Safaricom and M-PESA services frequently and repay Fuliza M-PESA on time by toping up your M-PESA account.

  1. Can I withdraw money from Fuliza?

No, you cannot withdraw funds from Fuliza M-PESA.

  1. How much will I be charged for using Fuliza M-PESA?

You will be charged 1% access fee and a maintenance fee on the outstanding balance as per below table. Normal M-PESA transaction charges apply.

Transaction     Promotional Tariff for  
Range (Kshs) Tariff   30 day from launch  
0 -100 One-time fee of Ksh 2   One-time fee of Ksh 0  
101-500 Kshs. 5 per day      
501-1000 Kshs. 10 per day      
1001-1500 Kshs. 20 per day      
1501-2500 Kshs. 25 per day      
2501-70000 Kshs. 30 per day      

  1. How will I repay my Fuliza M-PESA?

Any funds received or deposited in your M-PESA account will automatically be used to clear your outstanding Fuliza M-PESA.

  1. What is the minimum and maximum amount I can send using Fuliza M-PESA?

M-PESA limits apply as below;

  • Transaction limits Kshs.1- 70,000/=
  1. Will I get money reversed if I send/pay to a wrong number/till and had used Fuliza M-PESA?

M-PESA reversal process applies as long as the recipient has not utilized the funds.

You can also initiate reversal by sending the M-PESA SMS to 456

NB: Transactional charges will not the reversed.

  1. Is Fuliza M-PESA a loan product?

No. This is a continuous overdraft service that allows you to complete M-PESA transactions when you have insufficient funds.

  1. Are there any Penalties for late repayment?

You will not have access to your Fuliza M-PESA limit if you have any unpaid balance after day 30. This will however be restored on full repayment of your Fuliza balance.