How to Fuliza M-Pesa in Kenya 2022

Fuliza M-Pesa is an overdraft facility by Safaricom and NCBA Bank for all M-Pesa users to complete their M-PESA transactions when they have insufficient funds in their M-PESA account.

This article will show you how to use the Fuliza M-Pesa service.

Let’s get started.

How to Fuliza M-Pesa

Before you start with Fuliza, you have to meet specific requirements; you need:

  • To be an M-PESA registered user
  • Have an active Safaricom line for at least six months

If you meet those requirements, here is how to activate your Fuliza Limit:

  1. Dial *234# on your mobile phone.
  2. Select option 0, which is Fuliza M-Pesa.
  3. Next, select 1 (yes)
  4. Select one again to accept Fuliza M-Pesa’s terms.
  5. Your limit will be displayed to you.

See Steps to increase Fuliza limit.

How to use Fuliza M-Pesa

As mentioned at the beginning of this article, Fuliza M-Pesa is an overdraft facility for all Safaricom users who can’t complete their transactions because they don’t have enough funds in their M-Pesa account.

To use Fuliza M-pesa, you must pay using Lipa Na Mpesa or send money to another user. If your M-Pesa balance is less than the amount you are transacting, but within your Fuliza Limit, the transaction will go through.

M-Pesa will notify you that you don’t have enough, and you can use Fuliza to complete the transaction. If you accept, the transaction will be complete, and you will get two messages. One will be the standard M-Pesa transaction message, and the other is Fuliza and your balance.

How to repay Fuliza

The Fuliza repayment process is automatic. Anytime you receive money in your M-Pesa, Safaricom will deduct the amount to repay your Fuliza until the limit is restored.

This service makes it easier to manage this service.

As shown below, it will cost you a 1% access maintenance fee on your Fuliza outstanding balance. Safaricom M-Pesa Charges will still be used whenever you transact with Fuliza.

Band  Tariff Promotional Tariff for 30 days from Launch
0-100 one-time fee of Ksh 2 one-time fee of Ksh 0
101-500 Ksh 5 per day
501-1000 Ksh 10 per day
1001-1500 Ksh 20 per day
1501-2500 Ksh 35 per day
2501-70000 Ksh 30 per day


About Fuliza M-Pesa

Fuliza is a new service from Safaricom that allows you to complete M-Pesa transactions even when you don’t have enough money in your account. With Fuliza, you can send money, pay for goods and services, or withdraw cash even when you have zero balance.

As an overdraft facility, Fuliza M-Pesa allows you to complete transactions worth up to Kshs. 70,000 without having the full amount in your account. This means that you no longer have to worry about being unable to pay or buy anything because you don’t have enough money.

Anne Katana
Anne Katana
Anne is a student of history. She enjoys sharing her passion and experiences with people through blogging. She started this blog to educate and inspire people globally.


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