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Fuliza M-PESA

Fuliza is an M-Pesa service that allows you to overdraw on your M-Pesa account when you have insufficient funds to complete a transaction. Customers can activate the service by dialing *234# and selecting Fuliza M-Pesa.
  1. 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.

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

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

  1. 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. 

  1. 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. 

  1. 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. 

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

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

  1. 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. 

  1. 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 topping up your M-PESA account. 

  1. Can I withdraw money from Fuliza? 

No, you cannot withdraw funds from Fuliza M-PESA. 

  1. How much will I be charged for using Fuliza M-PESA? 

You will be charged 1% interest and a maintenance fee on the outstanding balance as per the below table. Normal M-PESA transaction charges apply. Transaction Promotional Tariff for Range (Kshs) Tariff 30 days from launch 

0 -100 One-time fee of Ksh 2 

101-500 Kshs. 5 per day 

501-1000 Kshs. 10 per day 

1001-1500 Kshs. 20 per day 

1501-2500 Kshs. 25 per day 

2501-70000 Kshs. 30 per day 

  1. 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. 

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

M-PESA limits apply as below; 

  • Min KES 1.00 Maximum KES 42,000.00
  1. 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 be reversed. 

  1. 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. 

  1. 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.