Fuliza is a overdraft service that allows Safaricom’s M-PESA customers to complete their M-PESA transactions even when they do not have enough funds. To enjoy Fuliza a customer needs to be registered on M-PESA . Customers should then to opt into the Fuliza service to enjoy the service.

Eligibility

• M-PESA customers registered using their national ID/Kenyan passport/Military ID can activate Fuliza but not all are eligible for a loan limit upon activation.
• Accounts registered using Foreign passport cannot successfully opt-in to Fuliza.
• One will be assigned a limit that defines the maximum amount of overdraft they can access.

How to OPT in to FULIZA

• Dial *334#
• Select Loans and Savings>> Select FULIZA
• OPT in
• Alternatively find it within the M-PESA App and OPT in.

Fuliza Charges

1. A customer will be charged a one off 1% access fee and a daily maintenance fee is applied the next day at midnight or 00.00 hrs.
2. You also be charged 20% excise duty on the access fee. That means a customer who uses Fuliza and repays before the next day at 00.00hrs will only pay the access fee and a maintenance on the outstanding amount as per the table below:

Amount
Band	Tariff	20% Excise Duty	Total Charges
0 -100	KSh. 0	KSh 0	KSh 0
101-500	KSh 2.5	KSh 0.5	KSh 3
501-1000	KSh 5	KSh 1	KSh 6
1001-1500	KSh 18	KSh 3.6	KSh 21.6
1501-2500	KSh 20	KSh 4	KSh 24
2501-70000	KSh 25	KSh 5	KSh 30

As of a couple of weeks ago, Safaricom now allows customers to withdraw cash from Fuliza. This means that if you have a Fuliza limit of KSh 500, you can withdraw KSh 470, with a transaction fee of KSh 27.

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NOTE: Fuliza limit will be refreshed (upwards or downwards) depending on the usage and timely repayment of the facility.