How To Fuliza MPESA? Common Queries Answered

You might have heard a lot about Fuliza MPESA. You may be wondering what Fuliza is and how to Fuliza MPESA. Here are all the details.

When you don’t have enough money to finish a transaction, Fuliza, an M-Pesa service, enables you to overdraw your M-Pesa account. Users can start the service by dialing *234# and choosing Fuliza M-Pesa from the menu.

Here is how to Fuliza MPESA. Safaricom and Commercial Bank of Africa jointly launched Fuliza M-Pesa, an overdraft lending product.

Even if you don’t have enough money in your Mpesa account or don’t have any cash on hand, you can still do transactions thanks to the lending feature.

The service was initially designed to complement the other services that the business provides, including Lipa Na M-Pesa, Buy Goods via Till Number, Pay Bill, and Send Money. However, Kenyans, being Kenyans, seized the opportunity and dubbed it the Fuliza loan.


How Do I Get A Loan From Safaricom For Fuliza?

Follow these steps to activate Fuliza:

  • If they don’t update it, enter the Fuliza Code by dialing *234# on your smartphone.
  • First, choose “Fuliza M-Pesa,” option 0 from the menu.
  • Next, click 1 (YES) to begin.
  • To finish, press 1 (YES) one again to confirm that you agree to the terms and conditions.

How To Raise The Loan Limit On Fuliza?

If you have been regularly utilizing the Fuliza service. Using this straightforward method, you may then easily raise your borrowing limit.

  • Simply OPT-OUT of Fuliza and then OPT-IN again.
  • However, you must have paid off your loan amount in order to opt out of Fuliza.

Now all you have to do to activate Fuliza on your Mpesa account is make a regular transaction as though you have the money to do so. Let’s now examine how to leave Fuliza. Keep reading the article below.

Note: As long as you stay under your Fuliza limit, you are permitted to Fuliza many times until payback. But before you begin transacting, you must first check your Fuliza M-Pesa limit.

How To Withdraw From Fuliza MPESA Account?

Having seen your loan limit, let’s pretend you have less than that amount or no money in your M-Pesa account. How do you get your Fuliza money?

It is impossible to withdraw money through Fuliza, but here’s an idea: send the money to your friend’s or another Safaricom line, and ask them to withdraw the money on your behalf. To fuliza to another number, do it that way. Keep in mind that M-Pesa rates and fees do apply.

Go to your M-Pesa menu, select a regular transaction, but don’t withdraw money until you have enough on hand, to send the money. You don’t need to worry when paying for goods and services with Lipa Na Mpesa or a till number.

Note: The nicest aspect is that you get an SMS with the remaining Fuliza amount every time you transact using Fuliza M-Pesa. As long as it stays within your overdraft allowance, you can use it as often as you’d like.

People also ask

How Do I Borrow Money From M-PESA?

  • Navigate to the M-PESA menu.
  • Pick Savings and Loans.
  • Choose M-Shwari.
  • Choose Loan.
  • Ask for a loan.
  • Type the amount.
  • Specify your M-PESA PIN here.
  • Your M-PESA account will get the loan amount. The facility fee will be included in the loan payment amount.

How Long Does It Take To Get Fuliza Loan?

You must be an active M-Pesa user and a Safaricom sim card holder in order to apply for a Fuliza loan. Additionally, the line must have been in operation for six months. By dialing *234# on your Safaricom line, you can access the service.

How Do I Fuliza To Another Number?

Go to your Mpesa menu and send money to another Safaricom line to fuliza to a different phone number. If there is insufficient money in your Mpesa account, Fuliza funds will be used.

What Is Fuliza MPESA Limit?

Transaction limitations for M-PESA are 1–70,000.


You must be a Safaricom line holder who has registered for M-PESA. To opt-in, dial *234# and choose Fuliza M-PESA.

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