Fuliza M-PESA

What is Fuliza M-PESA?

This is a service that allows M-PESA customers to complete their M-PESA transactions when they have insufficient funds in their M-PESA account.

What are the requirements and how do I activate Fuliza M-PESA Service?

You need to be an M-PESA registered customers with an active Safaricom line. Dial *234# and select Fuliza M-PESA to opt in.

How many accounts can I hold for Fuliza M-PESA services?

Every M-PESA registered line will be treated as a different account. Each mobile number will qualify for Fuliza M-PESA and will be awarded a limit. This limit will be reviewed every 3 months depending on your usage.

How will I know my Fuliza M-PESA account details?

Dial *234# and Select Fuliza M-PESA to check your limit, balance, mini statement and opt out option. Every time you transact using Fuliza, you will receive an sms with the outstanding Fuliza amount.

How many times can I use Fuliza M-PESA?

You can use it as many times as needed as long as you are within the allocated Fuliza M-PESA limit.

Which M-PESA transactions can I complete using Fuliza M-PESA?

Lipa Na M-PESA: Buy goods and Paybill as well as Send money.

How do I use my Fuliza limit?

All you need to do is transact normally on M-PESA and if you have insufficient funds, Fuliza M-PESA will cover the shortfall.

How do I grow my Fuliza M-PESA limit?

Continue using Safaricom and M-PESA services frequently and repay Fuliza M-PESA on time by toping up your M-PESA account.

Can I withdraw money from Fuliza?

Yes. You can withdraw funds from an M-PESA agent using Fuliza M-PESA.

What is the new restructured tariff?

Tariff Band	Old Daily Maintenance Fee	New Daily Maintenance Fee
1-100	0.00	0.00
101-500	5.00	Free for first 3 days 2.50 after
501-1000	10.00	Free for first 3 days 5.00 after
1001-1500	20.00	18.00
1501-2500	25.00	20.00
2501-70000	30.00	25.00

When will the new restructured price take effect?

The discounted tariff will take effect from 1st of October 2022.

Who will benefit from the new tariff?

All Fuliza customers who have opted-in and have a positive limit, with no outstanding balance.

What fees will I pay on my existing Fuliza loan?

You will pay the current daily maintenance fees on your outstanding balance. The new restructured price will take effect once you clear your balance.

How do I know my outstanding balance?

Dial *234# to know your outstanding balance.

I have no Fuliza limit. How can I take advantage of the new restructured price?

Keep transacting on M-Pesa and ensure you repay all your loans on time.

How will I repay my Fuliza M-PESA?

Any funds received or deposited in your M-PESA account will automatically be used to clear your outstanding Fuliza M-PESA.

What is the minimum and maximum amount I can send using Fuliza M-PESA?

M-PESA limits apply as below;

Transaction limits 1- 70,000/=

Will I get money reversed if I send/pay to a wrong number/till and had used Fuliza M-PESA?

M-PESA reversal process applies as long as the recipient has not utilized the funds. You can also initiate reversal by sending the M-PESA SMS to 456
NB: Transactional charges will not the reversed.

Is Fuliza M-PESA a loan product?

No. This is a continuous overdraft service that allows you to complete M-PESA transactions when you have insufficient funds.

Are there any Penalties for late repayment?

You will not have access to your Fuliza M-PESA limit if you have any unpaid balance after day 30. This will however be restored on full repayment of your Fuliza balance.