Sometimes you need to complete a payment, but your M-Pesa balance falls short. Instead of canceling, Safaricom offers Fuliza M-Pesa, an overdraft service that lets you borrow instantly and pay later. This article explains how Fuliza works, how to activate it, and smart tips to use it responsibly.
What is Fuliza M-Pesa?
Fuliza is a Safaricom overdraft service that allows M-Pesa customers to complete transactions even when they don’t have enough funds. It’s not a loan app but an overdraft, meaning it automatically deducts from your next deposit.
How to Activate Fuliza on M-Pesa
Go to your Safaricom line dialer and dial *234#.
Select Fuliza M-Pesa from the menu.
Choose Opt-in to accept terms and conditions.
You will receive a confirmation SMS.
How to Use Fuliza
Try sending money, buying airtime, or paying a bill on M-Pesa.
If your balance is too low, Fuliza will cover the shortfall automatically.
You’ll get an SMS showing the Fuliza amount used and the charges.
Fuliza Limits and Charges
Limit: Each user gets a different Fuliza limit based on M-Pesa usage and repayment history.
Charges: Daily charges and access fees apply depending on the amount borrowed.
Repayment: Money automatically deducts from your next deposit until the Fuliza balance is cleared.
How to Repay Fuliza
Deposit money into your M-Pesa account.
Fuliza automatically deducts the outstanding balance.
Any remaining amount stays in your account for use.
Tips for Using Fuliza Responsibly
Borrow only when necessary: Avoid relying on Fuliza for everyday use.
Repay quickly: Reduce charges by clearing the overdraft as soon as possible.
Increase your limit: Consistent usage and timely repayment can help grow your Fuliza limit.
Check charges: Be aware of daily fees to avoid unnecessary costs.
Common Questions (FAQs)
1. Can I withdraw Fuliza at an M-Pesa agent?
No, Fuliza only works for transactions like sending money, paying bills, or buying airtime.
2. How can I increase my Fuliza limit?
Use M-Pesa frequently and repay Fuliza on time to grow your limit.
3. What happens if I don’t repay Fuliza?
Your account may be restricted until the amount is cleared, and your limit may be reduced.
4. Can I opt out of Fuliza?
Yes, simply dial *234#, go to Fuliza M-Pesa, and select Opt out.
Fuliza M-Pesa is a lifesaver when you run short of funds during important transactions. By activating it, using it responsibly, and repaying on time, you can enjoy seamless services without interruptions.
