Fuliza is a continuous overdraft service that allows Safaricom’s M-PESA customers to complete their M-PESA transactions even when they do not have enough funds in their M-PESA account.

To enjoy Fuliza M-PESA overdraft services, a customer needs to be registered on M-PESA with an active Safaricom M-PESA line. Customers will need to opt into the Fuliza service to enjoy the service.


  • M-PESA customers registered using their national ID/Kenyan passport/Military ID can activate Fuliza but not all are eligible for a loan limit upon activation.
  • M-PESA accounts registered using Foreign passport cannot successfully opt-in to Fuliza.
  • Upon opting in, one will be assigned a limit that defines the maximum amount of overdraft they can access.

How to OPT in to FULIZA

  • Dial *334#
  • Select Loans and Savings>> Select FULIZA
  • OPT in

What is great about FULIZA

  • A customer can request for Fuliza as many times as long as it is within the allocated limit.
  • A customer will be able to Send Money to both registered and unregistered customers.
  • Customer can pay to Lipa Na M-PESA: Buy goods and Paybill.
  • Customer can Buy airtime for self and other via USSD or M-PESA APP

Fuliza limit

  • Fuliza limit will be allocated upon activation by a customer who has been active on the network for at least 6 Months based on their line’s activity.
  • To grow Fuliza limit, you need to continue using Safaricom and M-PESA services and repay your Fuliza M-PESA facility on time by toping up your M-PESA account.
  • Customers on our network for less than 6 months will have a ZERO LIMIT.

Note:  Fuliza limit will be refreshed (upwards or downwards) depending on the usage and timely repayment of the facility.

Fuliza Charges

  1. A customer will be charged a one off 1% access fee and a daily maintenance fee is applied the next day at midnight or 00.00 hrs.
  2. A Customer will also be charged 20% excise duty on the access fee. That means a customer who uses Fuliza and repays before the next day at 00.00hrs will only pay the access fee and a maintenance on the outstanding amount as per the table below:




20% Excise Duty

Total Charges

0 -100

KSh 0

KSh 0

KSh 0


KSh 2.5

KSh 0.5

KSh 3


KSh 5

KSh 1

KSh 6


KSh 18

KSh 3.6

KSh 21.6


KSh 20

KSh 4

KSh 24


KSh 25

KSh 5

KSh 30

 Frequently Asked Questions

Was this information helpful? If not tell us how we can improvesafaricom imagessafaricom images

Manage all your services in one App

Safaricom Neo
Safaricom Neo Get Rates

This website uses cookies to ensure you get the best experience on our website. Read our Cookie Policy to learn more