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.

Dial *234# to start using Fuliza

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.

Keep transacting on M-PESA with Fuliza

Fuliza Loan Repayment

Once you agree to this service, you are responsible for all the application fees payment. As soon as you deposit or top up any amount into your M-Pesa account, Safaricom will deduct the owed amount instantly.

Terms and conditions of the fees apply.

Interest and Service Fees

The standard M-Pesa transaction fees apply when you use the Fuliza Services on your line. Moreover, Safaricom will charge you a standard maintenance and access fees of 1% on your outstanding Fuliza balance.

How Can I use Fuliza?

You can use the Fuliza service however you want subject to your set limit. The limit varies according to your M-Pesa usage as well as the terms and conditions of Safaricom.

You can use the Fuliza service to send money to registered and unregistered M-Pesa users. Moreover, you can make any payments through the “Lipa na M-Pesa” avenue.

It is important to note that even though you can make payments and send money with Fuliza, you can’t withdraw the Fuliza funds.

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