(Last Updated On: April 29, 2019)

How to Fuliza Mpesa using Safaricom
Want to know How to Fuliza Mpesa using Safaricom ? This is the right page.We will cover what is FULIZA and how you can use this service.

Safaricom in partnership with Commercial Bank of Africa launched a Mpesa overdraft service popularly known as Fuliza M-Pesa that allows you to complete your Mpesa transactions even if you have zero or insufficient funds in your Mpesa account.

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

Fuliza Mpesa transactions can only be used on Lipa Na M-PESA: Buy goods and Paybill as well as Send money.If you are sending a person money or paying a service using till or paybill your transaction will complete even if you dont have the money in your Mpesa account.The days of insufficient funds are now over.

Requirements to Fuliza Mpesa using Safaricom
1.You need to be an M-PESA registered customers with an active Safaricom line.
2.You need to opt in to Fuliza M-Pesa service by dialing *243#

Steps on How to Fuliza Mpesa using Safaricom to get a loan

1.Dial *234# from your Safaricom line
2.Select 0 as your first option “Fuliza M-pesa”.
3.Then, select opt-in and you’re good to go.
4.Do a normal transaction on your mpesa account to activate Fuliza.
5.You must check your Fuliza limit before transacting.
6.If you send the money to wronng number or wrong till/paybill.M-PESA reversal process will apply as long as the recipient has not utilized the funds. You can also initiate reversal by sending the M-PESA SMS to 456

How to Withdraw From Fuliza M-pesa

Now that you have seen your loan limit and suppose we say that you have less or zero funds on your M-pesa account. How do you withdraw that fuliza cash?

It is impossible to withdraw from Fuliza as this service is only for paying bills or sending cash.In order to withdraw the money you may need to send the money to your different safaricom line or simply sending it to your trusted friend

The best part is that you can use Fuliza Mpesa as many times as needed as long as you are within the allocated Fuliza M-PESA limit.Another good thing is that every time you transact using Fuliza m-pesa, you receive an SMS with the outstanding Fuliza amount. This means that you can use it as many times as possible provided that are within your overdraft limit.

The minimum amount is sh.1 and maximum is sh.70,000 that can be used on Fuliza Mpesa.

READ ALSO:STEPS ON HOW TO DOWNLOAD HUDUMA FORM, APPLY AND GET HUDUMA NUMBER FAST.

How much will I be charged for using Fuliza M-PESA?
Safaricom will charge you 1% access fee and a maintenance fee on the outstanding balance as per below table. Kindly note the Normal M-PESA transaction charges apply.


How to repay my Fuliza M-PESA?

Any money received or deposited in your M-PESA account will automatically be used to clear your outstanding Fuliza M-PESA.


Penalties if i don’t repay on time?

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.

More details and terms and conditions can be found on Safaricom Website

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