Fuliza na Safaricom- Complete information on Safaricom’s Fuliza Service.


Fuliza enables you to complete your M-PESA transactions when you have insufficient funds in your M-PESA account. You may access funds multiple times as long as you are within your Fuliza limit.

Fuliza is available to all M-PESA customers, however the awarding of limits will depend on your credit viability and how long you have been using M-PESA. To repay your Fuliza simply deposit cash to your M-PESA or receive M-PESA and your Fuliza balance will be deducted automatically.

To register for Fuliza simply dial *234# and select Fuliza. You need to be an M-PESA registered customers with an active Safaricom line.

Here is all that you need to know about Safaricom’s Fuliza Service;

📞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?
No, you cannot withdraw funds from Fuliza M-PESA

📞How much will I be charged for using Fuliza M-PESA?
You will be charged 1% access fee and a maintenance fee on the outstanding balance as set by Safaricom. Normal M-PESA transaction charges apply.

📞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.


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