Designed to help the customer complete M-PESA transactions that would have otherwise failed or postponed due to insufficient funds, Fuliza is the new credit solution.
Commercial Bank of Africa (CBA), KCB in partnership with Safaricom, launched Fuliza on the M-PESA wallet, to complement the existing 30-day term loan, currently offered as M-Shwari. The new feature looks to promote the strategic agenda for a cashless economy that is more efficient with clear advantages and incentives to the consumer for making payments digitally.
Fuliza is targeted at all Safaricom M-PESA customers that have been active for at least the past 6 months and maintain a good M-Shwari credit performance history. Here is everything you need to know about Fuliza.
1. What is Fuliza M-PESA?
This is a service that allows M-PESA customers to complete their M-PESA transactions when
they have insufficient funds in their M-PESA account.
2. What are the requirements and how do I activate Fuliza M-PESA Service?
You need to be an M-PESA registered customers with an active Safaricom line. Dial *234#
and select Fuliza M-PESA to opt in.
3. How many accounts can I hold for Fuliza M-PESA services?
Every M-PESA registered line will be treated as a different account. Each mobile number
will qualify for Fuliza M-PESA and will be awarded a limit. This limit will be reviewed every
3 months depending on your usage.
4. How will I know my Fuliza M-PESA account details?
Dial *234# and Select Fuliza M-PESA to check your limit, balance, mini statement, and an opt-out option. Every time you transact using Fuliza, you will receive an SMS with the
outstanding Fuliza amount.
5. How many times can I use Fuliza M-PESA?
You can use it as many times as needed as long as you are within the allocated Fuliza MPESA limit.
6. Which M-PESA transactions can I complete using Fuliza M-PESA?
Lipa Na M-PESA: Buy goods and Paybill as well as Send money.
7. How do I use my Fuliza limit?
All you need to do is transact normally on M-PESA and if you have insufficient funds, Fuliza
M-PESA will cover the shortfall.
8. How do I grow my Fuliza M-PESA limit?
Continue using Safaricom and M-PESA services frequently and repay Fuliza M-PESA on
time by toping up your M-PESA account.
9. Can I withdraw money from Fuliza?
No, you cannot withdraw funds from Fuliza M-PESA.
10. How much will I be charged for using Fuliza M-PESA?
You will be charged 1% access fee and a maintenance fee on the outstanding
balance as per below table. Normal M-PESA transaction charges apply.
Range (Kshs) Tariff
Promotional Tariff for
30 day from launch
0 -100 One-time fee of Ksh 2 One-time fee of Ksh 0
101-500 Kshs. 5 per day
501-1000 Kshs. 10 per day
1001-1500 Kshs. 20 per day
1501-2500 Kshs. 25 per day
2501-70000 Kshs. 30 per day
11. How will I repay my Fuliza M-PESA?
Any funds received or deposited in your M-PESA account will automatically be used to
clear your outstanding Fuliza M-PESA
12. What are the minimum and maximum amount I can send using Fuliza M-PESA?
M-PESA limits apply as below; Transaction limits Kshs.1- 70,000/=
13. Will I get money reversed if I send/pay to a wrong number/till and had used Fuliza MPESA?
M-PESA reversal process applies as long as the recipient has not utilized the funds.
You can also initiate reversal by sending the M-PESA SMS to 456
NB: Transactional charges will not the reversed.
14. Is Fuliza M-PESA a loan product?
No. This is a continuous overdraft service that allows you to complete M-PESA
transactions when you have insufficient funds.
15. Are there any Penalties for late repayment?
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.