Fuliza;How to Use Fuliza, Service Fees and Repayment Process

What Is Fuliza?

Fuliza is a service that allows M-PESA customers to conduct their day in day out transaction even when they have Insufficient Funds in Their account.

What are the requirements and how do I activate Fuliza M-PESA Service?
All one needs is to be a registered Mpesa User with an Active Safaricom Line.To Opt In Dial *234# and select Fuliza Mpesa.

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.

Fuliza Repayment

The overdrawn funds will automatically be subtracted as soon as a user deposits funds to their M-PESA wallet. You will still be able to access the service as payment is regularized. Say your limit is 1000 shillings, and you deposit 500 shillings to your account after using Fuliza (plus interest); you can still overdraw the remainder (KES 500 or less) until the limit is reached again.

Some people have asked if they can get money reversed if they send/pay to a wrong number or till and had used the overdraft. Safaricom says that the reversal process goes into effect if the wrong recipient has not used the money. Similar to conventional reversal processes, transaction fees will not be reimbursed.Finally, users cannot access the Fuliza limits if they have an unpaid balance after day 30 but can be restored upon clearing the balance.

Fuliza Service Fees

Band Tariff Promotional Tariff for 30 day from launch
0 -100 One-time fee of Ksh 2 One-time fee of Ksh 0
101-500 Ksh 5 per day
501-1000 Ksh 10 per day
1001-1500 Ksh 20 per day
1501-2500 Ksh 25 per day
2501-70000 Ksh 30 per day

Transactions That can be  Completed Using Fuliza

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

Penalties For late Payment

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  balance.

What are the Fuliza Transactional Limits?

M-PESA limits apply as below;

  • Transaction limits 1- 70,000/=
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