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.

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

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.

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.

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

Lipa Na M-PESA: Buy goods and Paybill as well as Send money.

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

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

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

You will charged a one off Interest rate of 1.083% and a daily administrative fee on the outstanding balance as per the table below. Normal M-PESA transaction charges apply

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

M-PESA limits apply as below;

• Transaction limits 1- 70,000/=

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.

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

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.