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:

 Frequently Asked Questions