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Safaricom guide on how to fuliza

Fuliza, a Safaricom micro-loan solution that allows Mpesa customers pay for goods through Lipa Na Mpesa. Customers can also settle the loan later. Fuliza is more similar to Okoa Jahazi in Lipa Na Mpesa. Safaricom has partnered up with KCB (Commercial Bank of Africa) and CBA (Commercial Bank of Africa) to facilitate this service.

Fuliza allows people to obtain overdrafts up to Sh. You can get overdrafts up to Sh.50,000, depending on the amount of your transactions. The interest rate on your overdraft will be 0.5 percent per day on the balance.

How do I use Fuliza

This service will be available on the M-PESA Sim Kit (STK), and My Safaricom App.

To subscribe (opt in) to this service, the customer must dial *234*0#. Then, the customer must agree to Fuliza’s terms and conditions.

Fuliza can be used for Send Money or Lipa na MPESA transactions.



You give Safaricom the right to withdraw the excess funds and fees from your MPESA account. Safaricom will automatically subtract the amount due from any funds received or deposited in your MPESA wallet, until the overdraft is fully cleared.

Also, you must maintain an average of 60 percent of your overdraw limit for a minimum of 30 days.

Overdraft fees include a 1% access fee as well as a maintenance fee for any balance remaining, as shown in the table below.

Amount Fees
0 -100 One-time payment of Ksh 2.
101-500 Ksh 5 per day
501-1000 Ksh 10 per day
1001-1500 Ksh 20 per day
1501-2500 Ksh 25 per day
2501-70000 Ksh 30 per day

To complete mpesa transactions, you can only use Fuliza Money from your account

  • Lipa Na Mpesa Payment
  • M-PESA users can send money




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