Fuliza is Safaricom’s innovative overdraft service, a lifesaver for millions of Kenyans facing cash flow challenges. With just a few taps, you can complete transactions even when your M-PESA balance is insufficient. In this guide, we’ll explore how Fuliza works, how to activate it, and practical tips for using it wisely in 2025.
What Is Fuliza?
Fuliza is an overdraft facility provided by Safaricom’s M-PESA that allows users to complete transactions even when their account balance is insufficient. Essentially, it’s a short-term loan, automatically activated during transactions like money transfers, bill payments, or purchases.
Why Fuliza Stands Out Compared to Traditional Loans
| Feature | Fuliza | Traditional Loans |
|---|---|---|
| Application Process | Instant activation | Lengthy and bureaucratic |
| Approval Time | Immediate | May take days or weeks |
| Collateral Required | None | Often mandatory |
| Repayment | Automatic via M-PESA | Requires manual effort |
| Interest | Daily maintenance fee | Fixed or variable interest |
Fuliza Eligibility Criteria
You can use Fuliza if:
- You are a registered M-PESA user with an active Safaricom line.
- Your M-PESA account has been active for at least six months.
- You are consistently using M-PESA services.
- You are 18 years or older.
How to Activate Fuliza in 2025
Method 1: M-PESA App
- Open your M-PESA app.
- Navigate to the Grow tab.
- Select Fuliza M-PESA and read the terms and conditions.
- Confirm by entering your M-PESA PIN.
Method 2: USSD Code
- Dial
*234#from your Safaricom line. - Select Fuliza M-PESA and choose Activate Fuliza.
- Accept the terms and conditions.
- Confirm activation by entering your M-PESA PIN.
Once activated, you’ll receive an SMS confirming your enrollment in Fuliza.
How Fuliza Works
- Initiate an M-PESA transaction (e.g., sending money or paying bills).
- If your M-PESA balance is insufficient, Fuliza automatically covers the shortfall.
- Complete your transaction, with an SMS confirmation detailing the Fuliza amount used.
Understanding Fuliza Limits
Fuliza limits vary based on your M-PESA usage. Higher transaction volumes and consistent usage improve your limit, which can range from a few hundred shillings to over KES 70,000.
To check your limit, dial *234# and select Check Fuliza Limit.
Fuliza Charges: The Cost of Convenience
Fuliza charges include:
- 1% access fee on the borrowed amount.
- Daily maintenance fees based on the outstanding balance.
Daily Maintenance Fees Breakdown
| Amount Borrowed (KES) | Daily Fee (KES) |
|---|---|
| 1 – 500 | 5 |
| 501 – 1,000 | 10 |
| 1,001 – 1,500 | 15 |
| 1,501 – 2,500 | 20 |
| 2,501 – 70,000 | 30 |
Tip: Keep track of your outstanding balance to minimize fees.
How to Repay Fuliza
Fuliza repayments are automatic and seamless:
- Incoming M-PESA funds automatically deduct a portion to repay your outstanding balance.
- Repayment prioritizes 30% of any incoming amount above KES 100.
- SMS notifications will confirm each repayment transaction.
To avoid unnecessary fees, prioritize repaying your balance quickly.
Best Practices for Using Fuliza
While Fuliza offers a convenient safety net, responsible use is key:
- Limit usage to emergencies or essential transactions.
- Avoid using Fuliza for discretionary spending.
- Regularly monitor your Fuliza limit and usage.
- Repay promptly to avoid daily fees piling up.
- Don’t rely on Fuliza as a long-term financial solution.
Common Questions About Fuliza
What Happens If I Don’t Repay?
Failing to repay your Fuliza balance will reduce your M-PESA creditworthiness. Safaricom may also limit your ability to access other services.
Can I Use Fuliza for Withdrawals?
No, Fuliza cannot be used for cash withdrawals or transactions at M-PESA agents.
Is There a Maximum Borrowing Limit?
Yes, your maximum limit is determined by your transaction history and usage.
Why Fuliza Remains Popular in 2025
Since its launch, Fuliza has gained widespread adoption due to its:
- Instant accessibility.
- Low entry barriers.
- Integration with M-PESA, Kenya’s leading mobile money platform.
Fuliza remains a reliable tool for small, urgent financial needs, complementing Safaricom’s vision of financial inclusion.
Final Thoughts
Fuliza is a powerful tool for managing financial shortfalls, but it’s not a substitute for careful budgeting or saving. Use it wisely, repay promptly, and leverage it as a backup for essential transactions.
*Ready to activate Fuliza? Dial 234# or download the M-PESA app today! Unlock the convenience of completing transactions anytime, anywhere.
For more tips on managing your finances or updates on Safaricom services, subscribe to our newsletter and follow us on social media.
