How to get Fuliza Mpesa: Application and Repayment

This article will teach you the steps to get Fuliza Mpesa ( application and repayment) and the requirements to qualify for Fuliza.

Fuliza is a continuous overdraft offered by Safaricom, a leading telecommunications company in Kenya. It allows Safaricom customers to complete Mpesa transactions even when they don’t have sufficient funds in their mobile money account.

How to Fuliza Mpesa: Application and Repayment

To access Fuliza Mpesa:

1. You must be a registered Mpesa customer with an active Safaricom line.
2. You must have used the line for the past six months.
3. Dial Fuliza USSD *234#.
4. Select Fuliza Mpesa to opt in.

Fuliza Repayment

Fuliza is a convenient option for Safaricom customers who need emergency funds, but it’s important to use it responsibly.
Once you opt-in to the Fuliza M-Pesa service, you will be responsible for paying all applicable fees. Safaricom deducts the fees immediately after you top up your M-Pesa account.

Fuliza interest and service fee

Safaricom charges you the standard M-Pesa transaction fees when you use Fuliza. Plus, the company will charge you maintenance and an access fee of 1% on your outstanding Fuliza balance, as per the table below.

The table shows that the sooner you repay, the better if you want to avoid paying expensive charges.

Tariff Band Daily Maintenance Fee
1-100 Ksh 0.00
101- 500 Free for the first three days and Ksh 2.50 after
501 – 1,000 Free for the first three days and Ksh 5.00 after
1,001 – 1500 Ksh18.00
1,501 – 2,500 Ksh20.00
2,501 – 70,000 Ksh25.00

How to Pay for Goods and Services Using Fuliza Mpesa

Here are the steps to pay for goods and services using Fuliza:

1. Go to the M-Pesa menu or dial *334#
2. Select Lipa na M-Pesa
3 Select Buy Goods and Services
4. Enter the Till Number
5. Enter the totals you want to pay
6. Enter your M-Pesa PIN
NB: If your funds are not enough, you will see Fuliza pop-up message
7. Accept to Fuliza and send to complete your payment.

How to Fuliza Money to Another Number

It is not possible to withdraw money from Fuliza directly. Therefore, you can send the overdraft to one of your family members or a friend to withdraw the money.

Here are steps on how to Fuliza to another number:

1. Go to the MPesa menu and select Send money.
2. Enter the mobile number you want to fuliza to.
3. Enter the Amount.
4. Then, your Mpesa PIN.
5. A notification on the screen indicates you have insufficient funds and whether you want to fuliza the remaining balance.
6. Select the option Accept, and then Send.
7. Confirm the recipient details and that the transaction is complete.

Penalties for Not Repaying Fuliza Mpesa

Penalties for not repaying Fuliza balances after 30 days include;

1. Inability to access your M-Shwari.
2. Not being able to access your and KCB M-Pesa accounts.
3. Freeze your Fuliza M-Pesa limit until you repay the balance.

How to Increase Fuliza Limit

You can only grow your Fuliza limit by using Safaricom Mpesa services frequently and repaying fuliza on time by topping up your Mpesa account.

How to Contact Safaricom Fuliza Customer Care

For any queries about Fuliza, dial Safaricom’s customer care contact number, 100, or chat with Zuri on Telegram or Whatsapp on this number -254722000100.

Related post: Mobile Loan Apps in Kenya

How to get Fuliza Mpesa: Application and Repayment FAQS

Here are the frequently asked questions about Fuliza.

What affects the Fuliza limit?

How frequently you use Safaricom Mpesa services and how fast you repay your fuliza may change your limit by increasing or decreasing.

Which is the Fuliza USSD code?

Fuliza USSD code is *234#.

How many times can one Fuliza per day?

Customers can fuliza as many times a day depending on your fuliza limit.

How long is Fuliza’s repayment period?

Fuliza’s repayment period is 30 days.


Having taken you through the steps to access Fuliza Mpesa, you can now pay your bills even when you don’t have sufficient funds in your Mpesa account. If you still need to opt-in, take a step and do so.