How to Fuliza M-Pesa


Safaricom in partnership with Commercial Bank of Africa launched a Mpesa overdraft service popularly known as Fuliza M-Pesa that allows you to complete your Mpesa transactions even if you have zero or insufficient funds in your Mpesa account.

The service was initially intended for the other service offered by the company such as Lipa Na M-Pesa, Buy Goods via till number and Pay Bill as well as Send money. But Kenyans being Kenyans took advantage of it and termed it as Fuliza loan.

How to Fuliza M-Pesa Loan

To Fuliza M-Pesa:

  1. Dial *234# from your Safaricom line
  2. Select 0 as your first option “Fuliza M-pesa”.
  3. Then, select opt-in and you’re good to go.
  4. Do a normal transaction on your mpesa account to activate Fuliza.

Note: You can Fuliza multiple times before repayment so long as you’re within your Fuliza limit. 😉

But first, you need to check you Fuliza M-pesa limit before you start transacting.

See also, Loan Apps in Kenya

How to Withdraw From Fuliza M-pesa.

Now that you have seen your loan limit and suppose we say that you have less or zero funds on your M-pesa account. How do you withdraw that fuliza cash?. 😛

It is impossible to withdraw from Fuliza 🙄 but here is a turnaround, 💡 simply send that money to your alternative Safaricom line or your friend’s line and ask them to withdraw it for you. Remember, M-pesa rates and charges apply.

To send the money, go to your M-pesa menu and do a normal transaction but not withdrawal as if you have enough money on you. You can also pay for goods and services using Lipa na mpesa or till number without panicking.

The best part is that every time you transact using Fuliza m-pesa, you receive an SMS with the outstanding Fuliza amount. This means that you can use it as many times as possible provided that are within your overdraft limit.

You can also try Branch Loan App to access loans on your phone.

Fuliza Mpesa Charges and Fees

Safaricom charges a 1% access fee and a maintenance fee on the outstanding balance as per the table below. Always remember that normal M-PESA transaction rates apply. More information about Fuliza M-pesa terms and usage can be found on the Safaricom PLC faqs website.

Band TariffPromotional Tariff for 30 days from Launch
0-100one time fee of Ksh 2one time fee of Ksh 0
101-500Ksh 5 per day
501-1000Ksh 10 per day
1001-1500Ksh 20 per day
1501-2500Ksh 35 per day
2501-70000Ksh 30 per day


Here is a 30-second video on how to #Fuliza M-PESA.


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Rafa'el was born and raised in Kakamega, Western Province. He is an Electronics Engineer with a key interest in computer technology, finance, and general lifestyle. He currently lives in Nairobi city and is 6ft tall for no reason. MORE HAPPIER THAN NOT is his passion for Blogging on almost everything.


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