Fuliza M-Pesa loan and airtime, Fuliza ya Biashara, register, opt out, interest rate, check limit and balance.

How to Fuliza MPesa, Activate and Get Loan

Fuliza M-PESA is a continuous overdraft service offered by Safaricom that allows you to complete M-PESA transactions even when you have insufficient funds in your M-PESA account, up to a given limit. Once activated, you can use Fuliza M-PESA loan to:

  • Send money to others
  • Purchase goods and services
  • Pay bills using Lipa na M-PESA

This means that if you need to send money or make a purchase but don’t have enough cash in your M-PESA account, you can use Fuliza M-PESA to cover the difference.

Fuliza treats each registered M-Pesa line as a different Fuliza account with its own separate limit. Fuliza reviews its limit after every 3 months.

Moreover, you don’t pay any interest if you pay back what you borrow within 3 days and you can Fuliza as many times as you need, provided you are within the allocated Fuliza M-PESA limit.

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How to Activate Fuliza on Your M-Pesa Line

To be eligible to use Fuliza, your MPesa account must have been active for the last 6 months. If your MPesa account is less than 6 months your Fuliza limit is initially zero.

To Register and Opt in for the Fuliza Service:

  1. Dial the Fuliza USSD code *234# on your M-Pesa line
  2. Select Fuliza M-Pesa to opt in
  3. You have now registered and activated Fuliza on your line

How to Opt Out of Fuliza

Sometimes you are not happy with Fuliza and may want to opt-out. To deregister completely from Fuliza loan service, you simply do the following:

  1. Dial *234# on the M-Pesa line you activated Fuliza on
  2. Select Fuliza M-Pesa
  3. Next, select Opt out
  4. You can no longer use Fuliza M-Pesa on this line unless you activate the service again
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Take note that you can only opt out of Fuliza if you have repaid your outstanding fuliza balances.

How to Check Your Fuliza Loan Limit and Balance

To know your Fuliza limit and balance read the article How to Check Your Fuliza Mpesa Limit and Balance, for more information.

How to Pay for Goods and Services Using Fuliza Mpesa

To use Fuliza M-Pesa, you just need to transact normally on M-PESA, like paying bills or using the buy goods till number. If you have insufficient funds, Fuliza M-PESA will cover the shortfall.

Take note that the transaction cannot be completed if the Fuliza balance is not sufficient to cover the transaction as well as the M-Pesa cost of the transaction.

Follow these steps to pay for goods and services using Fuliza:

  1. Go to M-Pesa menu or dial *334#
  2. Select Lipa na M-Pesa
  3. Now, select Buy Goods and Services
  4. Enter Till Number and Send
  5. Enter Amount you want to pay
  6. Enter your M-Pesa PIN
  7. Confirm details and select Accept
  8. If your funds are not enough, you will see Fuliza pop up message
  9. Accept to Fuliza and Send to complete to payment.

How to Fuliza to Another Number

It is not possible to withdraw money from Fuliza directly.

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However, you can send the money to a nearby friend or family member and ask them to withdraw the money for you.

You can also visit your nearest MPesa agent and Fuliza to the number given by the agent. You only have to pay them the normal M-Pesa withdrawal charge depending on the amount.

To fuliza to another number:

  1. Go to the MPesa menu and select Send Money
  2. Enter the phone number you want to fuliza to
  3. Enter the Amount and then your Mpesa PIN
  4. A notification will show up on the screen indicating you have insufficient funds, and whether you want to fuliza the remaining balance.
  5. Select the option Accept, and then Send.
  6. Confirm the recipient details and finish the transaction.
Business man using fuliza MPesa.
A business man using Fuliza.

How to Repay Fuliza M-Pesa Loan

You do not need to go through lengthy processes to repay your fuliza loan.

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

So, all you have to do is deposit into your M-Pesa account or receive money. The Fuliza loan plus the interest will be deducted automatically.

Penalties for Not Repaying Fuliza

Penalties for not repaying Fuliza balances after 30 days include not being able to access your M-Shwari and KCB M-Pesa accounts and freezing of your Fuliza M-Pesa limit until you repay the balance.

How to Increase Fuliza Limit

You can grow your Fuliza limit by using Safaricom and M-Pesa services frequently and repaying fuliza loan on time by topping up your M-Pesa account.

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To find out how to increase your Fuliza limit read: Simple Steps to Increase Fuliza Limit.

Fuliza M-Pesa Interest Rates and Service Charge

With Fuliza, the minimum you can transact is Sh. 1 up to a maximum of Sh. 70,000. Currently, Fuliza charges maintenance fees as shown in the table below:

Tariff BandNew Daily Maintenance Fee
1 – 1000.00
101 – 500Free for first 3 days, Ksh. 2.50 after
501 – 1,000Free for first 3 days, Ksh. 5.00 after
1,001 – 1,500Ksh. 18.00
1,501 – 2,500Ksh. 20.00
2,501 – 70,000Ksh. 25.00

Remember, the normal M-Pesa transaction charges still apply to any MPesa transaction you make with Fuliza.

How to Contact Safaricom Fuliza Customer Care

Any queries about fuliza can be channeled to Safaricom’s customer care contact number 100, or chat with Zuri on Telegram or Whatsapp on this number: 254722000100.

See also:

  1. Fuliza ya Biashara, Activate and Daily Charges
  2. How to Apply and Repay Zenka Loan Via App and USSD Code
  3. Tala Loan App, How to Apply Loan, Repay, Interest Rates