Fuliza by Safaricom – All you need to know

Fuliza is an exciting and a recent product by Safaricom mobile network. This service enables the Safaricom customers to complete their M-PESA transaction when they have insufficient funds in their M-PESA account.


The M-PESA overdraft, introduced by Safaricom is a partnership with Commercial Bank of Kenya (CBA).


You must be 18 years old and above, registered and an active M-PESA customer.


You can sign up by dialing *234#.  After signing up, you will receive a sms confirmation with the fuliza limit confirmation. If a limit is not provided, it means you will have to perform several other transactions with M-PESA in order to be enrolled in the service. By dialing *234#, you can as well be able to check the limit balance, mini statement and also opt out of the service.


Access fee of 1% is charged and a maintenance fee on the outstanding balance is charged as per below table. Normal M-PESA transaction charges apply.


0   –  100               One-time fee of Ksh 2

101   –  500          Ksh per day

501   –  1000        Ksh 10 per day

1001   –  1500      Ksh 20 per day

1501   –  2500      Ksh 25 per day

2501   –  70000   Ksh 10 per day


You can use Fuliza as many times as you want as long as you are within the limit.

Fuliza allows you to Lipa na M-PESA, Pay bills as well send money transactions.

Each mobile registered M-PESA line is treated as a different account and given its limit which is reviewed after three months depending on usage.

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

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