Fuliza enables you to complete your M-PESA transactions even when you have insufficient funds in your M-PESA account. You may access these funds multiple times as long as you are within your Fuliza limit.

Dial *334# to start using Fuliza

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 sufficient 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.
  • Foreign passport holders cannot successfully opt-in to Fuliza.
  • Recycled lines that previously had Fuliza will not be able to opt in.
  • A customer may be unable to opt in due to KYC failure if the names on M-PESA are not the same as on the ID. They will be required to visit any of our Retail shops with their ID.
  • When a change of ownership is done, the newly registered customer will not be able to opt in since we are not able to delete the details of the previous owner.

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) every time a customer opts out.

Number of activations per ID:

  • Fuliza can be activated on more than one line.
  • Every M-PESA registered line is treated as a different account.
  • Each mobile number qualifies for Fuliza M-PESA depending on the activity of the line.

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

One-time fee of Ksh 2

One-time excise duty of 0.4

One-time charge of 2.4sh


Ksh 5 per day

Ksh 1 per day

Daily charge of Ksh 6


Ksh 10 per day

Ksh 2 per day

Daily charge of Ksh 12


Ksh 20 per day

Ksh 4 per day

Daily charge of Ksh 24


Ksh 25 per day

Ksh 5 per day

Daily charge of Ksh 30


Ksh 30 per day

Ksh 6 per day

Daily charge of Ksh 36

 Frequently Asked Questions

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