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.

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.

Tariff Band

Old Daily Maintenance Fee

New Daily Maintenance Fee

1-100

0.00

0.00

101-500

5.00

Free for first 3 days 2.50 after

501-1000

10.00

Free for first 3 days 5.00 after

1001-1500

20.00

18.00

1501-2500

25.00

20.00

2501-70000

30.00

25.00

The discounted tariff will take effect from 1st of October 2022.

All Fuliza customers who have opted-in and have a positive limit, with no outstanding balance.

You will pay the current daily maintenance fees on your outstanding balance. The new restructured price will take effect once you clear your balance.

Dial *234# to know your outstanding balance.

Keep transacting on M-Pesa and ensure you repay all your loans on time.

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.

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