In Kenya, Fuliza M-PESA remains one of the most reliable overdraft services, helping millions of users complete transactions even when their account balance is low. Whether you’re paying bills, sending money, or buying airtime, Fuliza ensures you’re not stuck at a critical moment.
This updated 2026 guide explains how Fuliza works, how to qualify, the latest charges, and practical tips to increase your limit.
What is Fuliza M-PESA?
Fuliza is an overdraft facility offered by Safaricom in partnership with NCBA Bank and KCB Bank. Unlike traditional mobile loans that deposit money into your wallet, Fuliza automatically covers any shortfall during an M-PESA transaction.
For example, if you want to send Ksh 1,000 but only have Ksh 600, Fuliza can step in and cover the remaining Ksh 400—allowing your transaction to go through seamlessly.
Fuliza Requirements and Eligibility (2026)
To access Fuliza services, you must meet the following conditions:
- Active Safaricom Line: Your M-PESA account should be active for at least 6 months.
- Registered User: You must be fully registered with a valid Kenyan ID (National ID, Passport, or Military ID).
- Good Financial Behavior: Consistent use of M-PESA and a positive repayment history with services like M-Shwari or KCB M-PESA can improve your eligibility and limit.
Fuliza Loan Limits, Fees, and Charges
Understanding the cost structure is essential before using Fuliza.
Loan Limits
- Minimum: Ksh 100
- Maximum: Ksh 70,000
Your exact limit depends on your transaction history and credit profile.
Access Fee
- A one-time 1% fee is charged on the amount used.
Daily Maintenance Fees (2026)
Fuliza charges a daily fee based on the borrowed amount:
- Ksh 1 – 100: Ksh 2 (one-time)
- Ksh 101 – 500: Ksh 3 per day
- Ksh 501 – 1,000: Ksh 6 per day
- Ksh 1,001 – 70,000: Scales up to Ksh 25 per day
Repayment Terms
- Expected repayment period: Within 30 days
- Any money received in your M-PESA account is automatically used to reduce your Fuliza balance.
How to Register for Fuliza
Getting started with Fuliza is simple:
- Dial *334# on your Safaricom line
- Select Loans and Savings
- Choose Fuliza M-PESA
- Follow the prompts and accept the terms
Once registered, you’re ready to use the service whenever needed.
How to Check Your Fuliza Limit
To know how much you can borrow:
- Dial *334#
- Go to Loans and Savings
- Select Fuliza
- Tap Check My Limit
You’ll receive an SMS with your current overdraft limit.
How to Use Fuliza (Apply for a Loan)
There’s no separate application process. Fuliza works automatically:
- Start any M-PESA transaction (Send Money, Paybill, Buy Airtime, etc.)
- If your balance is insufficient, you’ll receive a prompt
- Confirm to use Fuliza and complete the transaction
It’s that simple—instant access when you need it most.
How to Opt Out of Fuliza
If you decide to stop using Fuliza:
- Dial *334#
- Select Loans and Savings
- Go to Fuliza
- Choose Opt-out
Note: You must clear your outstanding balance before opting out.
Tips to Increase Your Fuliza Limit
Want a higher limit? Focus on building a strong usage profile:
- Use M-PESA Frequently: Regular transactions signal activity and reliability
- Repay Quickly: Early repayments improve your creditworthiness
- Avoid Long Overdues: Staying in overdraft too long can reduce your limit
- Leverage Other Services: Active use of M-Shwari and KCB M-PESA strengthens your profile
Consistency is key—the system rewards responsible users.
Fuliza via the M-PESA App
In addition to USSD, you can manage Fuliza through the M-PESA Super App:
- View your Fuliza balance
- Track transactions
- Access mini-statements
The app offers a more user-friendly and visual experience compared to USSD.
Important: Only download the official M-PESA app from trusted app stores. Avoid third-party apps claiming to boost Fuliza limits—they are often scams.
Customer Support for Fuliza
If you experience issues or need assistance, you can contact Safaricom through:
- Customer Care: Dial 100 (free) or 200
- Social Media: @Safaricom_Care (X) or Safaricom PLC (Facebook)
- WhatsApp: Zuri Chatbot via 0722 000100
Final Thoughts
Fuliza M-PESA continues to be a vital financial tool in Kenya, offering quick and convenient access to overdraft credit. When used responsibly, it can help you manage short-term cash flow challenges without disrupting your daily transactions.
Always keep track of your usage, repay on time, and avoid unnecessary borrowing to make the most of this service.