How to Activate Fuliza
Fuliza is Safaricom’s overdraft service that allows M-Pesa customers to complete transactions even when they don’t have enough money in their account. It’s convenient for emergencies like paying bills, buying airtime, or sending money. To use Fuliza, you first need to activate it on your M-Pesa line.
Step 1: Dial the Fuliza Activation Code
On your Safaricom line, dial *234#.
Select Fuliza M-Pesa from the menu.
Step 2: Opt-In to Fuliza
Read the terms and conditions carefully.
Accept the terms to opt in.
Step 3: Set Your Preferences
Once activated, Safaricom will assign you a Fuliza limit based on your M-Pesa usage and repayment history.
You can start using Fuliza immediately whenever your balance is insufficient.
Step 4: Using Fuliza
When you try to send money, buy airtime, or pay a bill without enough balance, Fuliza automatically tops up the shortage.
The amount used will be deducted the next time you deposit money into your M-Pesa account.
Step 5: Repayment
Always repay Fuliza quickly to maintain or increase your limit.
Outstanding balances are automatically deducted from your next M-Pesa deposit.
Tips for Using Fuliza
Use Fuliza only for essential transactions.
Repay on time to avoid reducing your limit.
Higher M-Pesa activity and timely repayment can help increase your limit.
FAQs
1. Is Fuliza available to all M-Pesa users?
Yes, but you must be an active M-Pesa user with a good transaction history.
2. How much does Fuliza cost?
Fuliza charges daily fees and a small access fee depending on the amount borrowed.
3. Can I opt out of Fuliza?
Yes, dial *234#, select Fuliza, and choose opt-out.
4. How can I increase my Fuliza limit?
Repay on time and maintain active M-Pesa usage to qualify for a higher limit.
5. Can I use Fuliza to withdraw cash?
No, Fuliza only covers payments, money transfers, and airtime purchases, not withdrawals.
Conclusion
Activating Fuliza is simple and takes just a few steps. By dialing *234#, opting in, and maintaining responsible usage, you can enjoy seamless M-Pesa transactions even when your balance is low.
