By 
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
- 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.
- 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.
Start off your week with tech news recap and trending conversations in your inbox
NOTE: Fuliza limit will be refreshed (upwards or downwards) depending on the usage and timely repayment of the facility.
if requesting fuliza must i have m pesa balance to carter for transaction ?