M-PESA · Credit & Savings
Fuliza — never get stuck again
An overdraft on your M-PESA. Continue your transaction even when your balance is short.
Instant top-up
Fuliza fills the gap when you Send Money or Lipa na M-PESA — no extra steps, no application.
Auto-repay
Repays automatically from your next M-PESA deposit. No queues, no reminders.
Limit grows with you
Limits range from KSh 500 up to KSh 100,000+ depending on usage and repayment history.
Opt out anytime
Dial *234# → Fuliza → Opt Out. No charges to leave.
Opt in to Fuliza
- Dial *234# on your Safaricom line.
- Select Fuliza M-PESA.
- Choose Opt In and accept the terms.
- You'll get an SMS with your starting limit. That's it.
Fuliza is offered in partnership with NCBA & KCB Bank, regulated by the Central Bank of Kenya.
Charges
Indicative for this demo — confirm current fees before you transact. Excise duty (20% on access fee) and a daily maintenance fee may apply.
| Fuliza amount | Access fee |
|---|---|
| KSh 1 – 100 | Free |
| KSh 101 – 500 | KSh 6 (one-off) |
| KSh 501 – 1,000 | KSh 11 (one-off) |
| KSh 1,001 – 1,500 | KSh 22 (one-off) |
| KSh 1,501 – 2,500 | KSh 25 (one-off) |
| KSh 2,501 – 70,000+ | KSh 30 (one-off) |
How a Fuliza transaction works
- You initiate a Send Money or Lipa na M-PESA payment that's larger than your M-PESA balance.
- Fuliza tops up the difference up to your available limit and shows you the access fee on the confirmation prompt.
- You enter your M-PESA PIN to authorise.
- The next money that lands in your M-PESA is automatically used to repay the outstanding Fuliza balance.
- Daily interest accrues on any unpaid balance until fully repaid.
Fuliza Biashara — for businesses
An overdraft for your Lipa na M-PESA Till or PayBill. Continue paying suppliers and salaries even when your business wallet runs short. Limits and fees are tailored to your transaction history.
Open Lipa na M-PESA →Frequently asked questions
Need help with Fuliza? Ask Zuri.
Chat or speak to Zuri for step-by-step help, balances, reversals and bundle purchases — popote ulipo.