Home Finance Frequently Asked Questions (FAQ) about Fuliza M-Pesa

Frequently Asked Questions (FAQ) about Fuliza M-Pesa

fuliza mpesa

What is Fuliza M-Pesa?

Fuliza M-Pesa is an innovative service offered by Safaricom in collaboration with the Commercial Bank of Africa (CBA). It allows M-Pesa users to complete transactions even when they have insufficient funds in their M-Pesa accounts. Fuliza acts as an overdraft facility, providing a short-term loan to cover the deficit in the user’s account.

  1. How do I register for Fuliza ?

To register for Fuliza M-Pesa, you must be an M-Pesa subscriber with an active Safaricom line. Dial *234# on your phone, select “Fuliza,” and follow the prompts to opt-in. Once you’ve successfully registered, you’ll receive a confirmation message.

  1. Who is eligible for Fuliza M-Pesa?

To be eligible for Fuliza M-Pesa, you must:

  • Be at least 18 years old.
  • Have an active and registered M-Pesa account for a minimum of six months.
  • Have a good credit history with Safaricom.
  1. How much can I borrow from Fuliza?

Your Fuliza limit depends on your credit score, M-Pesa usage, and repayment history. The more you transact on M-Pesa and repay your Fuliza loans on time, the higher your limit will be. Fuliza M-Pesa limits range from KES 100 to KES 70,000.

  1. How do I check my Fuliza limit?

To check your Fuliza  limit, dial *234# on your phone, select “Fuliza ,” and choose “Check my limit.” Your current limit will be displayed on your screen.

  1. What are the charges associated with using Fuliza ?

Fuliza Charges

  1. A customer will incur a one-time 1% access fee, along with a daily maintenance fee that will be applied at midnight (00:00 hrs) the following day. Additionally, a 20% excise duty will be charged on the access fee. Therefore, if a customer utilizes Fuliza and repays the amount before 00:00 hrs the next day, they will only be required to pay the access fee and the maintenance fee on the outstanding balance, as outlined in the table below:
 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


How to OPT in to FULIZA

  • Dial *334#
  • Select Loans and Savings>> Select FULIZA
  • OPT in

To find out your current outstanding balance, simply dial *234# and follow the prompts provided.

How to Repay My Fuliza Loan?

To repay your Fuliza, simply deposit funds into your M-PESA account, and the outstanding balance will be automatically deducted.


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