How to Fuliza using Mpesa

Fuliza Mpesa allows you to complete your Mpesa transactions any time you have insufficient money in your Mpesa account. However, you can only fuliza an amount that’s within your fuliza limit. For example, if your fuliza limit is 1,500 Kshs, you cannot fuliza more than 1,500.

Since the service was introduced by Safaricom in January 2019, Fuliza has become very famous among Kenyans. Kenyans borrow more than 6 billion kshs every month.

You need to have an active Safaricom line with Mpesa to use fuliza Mpesa. You can fuliza as low as 1ksh and a maximum of 70,000 ksh.

So how do you fuliza using Mpesa?

First, you have to register to start using the service.

  1. Dial *234# on your Safaricom line
  2. Select option 0, Fuliza Mpesa
  3. Then choose option 1, Yes
  4. Then select 98, More
  5. Selectct option 1 to Accept Terms & Conditions for Fuliza
  6. You will get a confirmation message showing your Fuliza limit.

How to Fuliza

Using Fuliza is normally very easy. All you do is transact normally on Mpesa and if you have inadequate funds, Fuliza will cover for the insufficient funds.

An instance of using fuliza could be when you want to send 500 to another number and you have an Mpesa balance of 350. The service will inform you that you have insufficient funds and give you the option to fuliza. If you accept, you will then be able to complete your transaction normally.

screenshot of how to complete a transaction using fuliza
How to Fuliza using Mpesa

To repay your Fuliza you simply deposit money to your Mpesa or receive money through Mpesa and your fuliza loan will be deducted automatically.  You can use fuliza as many times as you need as long as you’re within your limit.

Apart from sending money you can also use the service when transacting with Lipa na Mpesa, paybill and buy goods and services.

How to check your Fuliza limit

To check your fuliza limit,

  1. dial *234#
  2. Select option 0, Fuliza Mpesa
  3. Then choose option number 1, Check my Limit
  4. You will get a confirmation message showing your limit.

You can also check your fuliza balance or opt out of Fuliza using this menu.

How to grow your fuliza limit

According to Safaricom, your fuliza limit will depend on how long you have been using Mpesa and your credit viability.

To grow your limit, use Mpesa regularly and repay your Fuliza balance on time.

Also Read: Mpesa Charges

How much do you repay after you fuliza

When repaying fuliza, you will always be charged a small fee depending on the amount. The table below summarizes the fee charged for different amounts.

0 – 100One-time fee of Ksh 2.4
101 – 500Ksh 6 per day
501 – 1000Ksh 12 per day
1001 – 1500Ksh 24 per day
1501 – 2500Ksh 30 per day
2501 – 70,000Ksh 36 per day

It’s also important to note that if you exceed 30 days without repaying your fuliza, you will not be able to use the service until you repay your fuliza balance.


Mpesa fuliza has become very vital to Mpesa users. I hope this article has covered everything about the service including how to fuliza and how to grow your fuliza limit.

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