Fuliza Mpesa is a service that allows M-PESA customers to complete their M-PESA transactions when they have insufficient funds in their M-PESA account.


You need to be an M-PESA registered customers with an active Safaricom line. Dial *234# and select Fuliza M-PESA to opt in.

Number of Accounts you can have on Fuliza Mpesa

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 To Check Fuliza Limit, Balance and Statement

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.

You can Fuliza M-PESA as many times as needed as long as you are within the allocated Fuliza M-PESA limit.

Transactions supported by M-PESA Fuliza

Lipa Na M-PESA: Buy goods and Paybill as well as Send money are supported by Fuliza, you cannot directly withdraw money though from your M-PESA Fuliza.

To grow your Fuliza Limit, continue using Safaricom and M-PESA services frequently and repay Fuliza M-PESA on time by toping up your M-PESA account.

M-PESA Fuliza Charges

You will charged a one off Interest rate of 1.083% and a daily administrative fee on the outstanding balance as per the table below. Normal M-PESA transaction charges apply

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

Mpesa Fuliza is not a loan product. It is a continuous overdraft service that allows you to complete M-PESA transactions when you have insufficient funds. 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.

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