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 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.

Eligibility

  • 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:

 FULIZA TARIFF

 Band

Tariff

20% Excise Duty

Total Charges

0 -100

KSh 0

KSh 0

KSh 0

101-500

KSh 2.5

KSh 0.5

KSh 3

501-1000

KSh 5

KSh 1

KSh 6

1001-1500

KSh 18

KSh 3.6

KSh 21.6

1501-2500

KSh 20

KSh 4

KSh 24

2501-70000

KSh 25

KSh 5

KSh 30

 Frequently Asked Questions

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