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

Frequently Asked Questions.

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. 

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 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.

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 per below table. Normal M-PESA transaction charges apply.

BandTariffPromotional Tariff for 30 day from launch
0 -100One-time fee of Ksh 2.4One-time fee of Ksh 0
101-500Ksh 6 per day
501-1000Ksh 12 per day
1001-1500Ksh 24 per day
1501-2500Ksh 30 per day
2501-70000Ksh 36 per day

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.

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

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.

By moseax

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