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How to Fuliza Mpesa in 3 SIMPLE steps right now

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Fuliza Mpesa enables you to continue doing Mpesa transactions even when you have insufficient funds in your M-PESA account.

Table of Contents

What is Fuliza?

Fuliza is an Mpesa service that allows you to continue doing Mpesa transactions when you have insufficient funds in your Mpesa account, as long as you use the amount within your Fuliza limit. It is like a loan over draft. Use now then pay later when you have money.

Let me take you through the steps on how to opt in to Fuliza Mpesa.

How to opt in to Fuliza Mpesa.

You will require a Safaricom line registered with M-PESA for you to access Fuliza service. To opt in to Fuliza Mpesa service, here is the process to follow:

  1. Dial * 234#
  2. Select option 0(Fuliza Mpesa to opt in)
How to opt in to Fuliza

Once you opt in to Fuliza Mpesa service, your Fuliza limit will depend on how often you Transat using Mpesa.

How to check your Fuliza Limit.

To ccheck your Fuliza Mpesa limit, follow the steps below:

  • Dial *334#
  • Select option 0(Fuliza Mpesa)
  • Select option 1(Check my limit)
How to check your Fuliza Limit

You can also use the same process ,follow the prompts and check your Fuliza balance, mini statement, query charges and pay Fuliza on your old line.

How to use Fuliza M-PESA.

All you need to do is transact normally on M-PESA and if you have insufficient funds, Fuliza M-PESA will cover the shortfall.You can use Fuliza for the following Mpesa options:

  • Lipa na Mpesa – Buy goods and Paybill options. This means that you can also buy airtime for Telkom and Airtel through Fuliza using Paybill option. You can also Fuliza Airtime to your Safaricom line.
  • Send money option. This means that you can Fuliza to another number.

Here is how it works. Whenever you are doing an Mpesa transaction and you don’t have enough funds in your Mpesa account, you will get a prompt requesting you to “Fuliza” so that you can finish your transaction smoothly.

Say you are at a supermarket and your shopping is worth Kshs 5,000 and your Mpesa balance is Kshs 4,000, you can “Fuliza” the remaining Kshs 1,000 and finish your shopping without any worries.

There are charges involved every time you use Fuliza Mpesa and the charges vary depending on the amount you “Fuliza” and the Time it takes you to pay back your Fuliza overdraft.

How to pay Fuliza Mpesa overdraft.

To pay back your Fuliza overdraft, deposit money into your Mpesa account and Fuliza service will automatically deduct the Fuliza amount from your Mpesa account.

When you receive any money into your Mpesa account, Fuliza will automatically deduct their money and you will receive an SMS confirmation that your Fuliza is now fully settled and you can use it again.

If you don’t pay your Fuliza Mpesa overdraft after 30days(1 month), you will have defaulted and you will no longer be able to access Fuliza service.

Fuliza Mpesa Charges.

You will be charged 1% access fee and a maintenance fee on the outstanding balance as per below table. Normal M-PESA transaction charges apply.



Promotional Tariff for 30days from launch


One-time fee of Kshs 2.4

One-time fee of Kshs 0


Kshs 6 per day


Kshs 12 per day 


Kshs 24 per day 


Kshs 30 per day 


Kshs 36 per day 

Advantages of Fuliza.

  • Access to quick cash incase of emergency situations
  • You can buy airtime for Telkom, Airtel through fuliza
  • You can Fuliza to another number belonging to your mom, brother or sister.
  • You can transact with insufficient funds without any worries
  • Incase you default, nobody will call you or your contacts list like some loan apps.
  • It’s simple and easy to use since you don’t require any documents, just your registered line.
  • It’s accessible to anybody , anywhere.
  • It’s fast and reliable 100% of the time.
  • Transparency from Safaricom in terms of SMS updates on outstanding limits.

Disadvantages of Fuliza.

  • There is a limit on the amount of overdraft that you can get. Some limits are too low and never grow whatsoever.
  • Due to network issues, it’s sometimes unreliable.
  • Anytime you receive money in your Mpesa account, it is automatically deducted by Fuliza.

How to opt out Fuliza.

If you feel that you need to opt out of Fuliza overdraft service, simply dial *234# and follow the prompts to opt out.


The number of people using Fuliza has increased recently and therefore you should opt in to Fuliza Mpesa service. It will be very convenient for you often times.

Remember not be extravagant due to Fuliza because there is a limit to which you can use. Always remember to check your Mpesa statements to keep track of your monthly transactions and expenditure.

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