Fuliza M-Pesa Explained 2026 (Opt-In/Out, Interest Rates & Repayment Calculator)
What is Fuliza?
Fuliza is a continuous overdraft that lets M-PESA users finish transactions even with insufficient wallet balance. Launched in 2019 by Safaricom with NCBA and KCB, it covers paybills, till payments, P2P sends, and airtime. Eligibility requires an active M-PESA line (>= 6 months) and a good repayment record.
There are now millions of active Fuliza users. Limits are personalized and reviewed regularly: frequent usage plus on-time repayment grows your limit; inactivity or late repayment can shrink it to zero. You can draw multiple times within your limit, and each draw incurs fees until repaid.
How it works: Each transaction that would otherwise fail is topped up by Fuliza if you have available limit. Fuliza auto-deducts incoming M-PESA funds until the overdraft and fees are cleared.
Fuliza interest rates & fees (2026)
Each Fuliza draw charges a one-off 1% access fee (inclusive of 20% excise) plus a daily maintenance fee based on the amount. Daily fees begin after the free window (day one for amounts above Ksh 1,000; three days waived for Ksh 1,000 or less).
| Amount (KES) | Daily Maintenance Fee (KES) |
|---|
Special relief: Borrow <= KES 1,000 and repay within 3 days to avoid daily maintenance (1% access fee still applies). After day three, standard daily maintenance fees resume.
Fuliza quick calculator
Estimate access fees and daily maintenance charges using the official 2026 Fuliza bands.
Rates update with official Safaricom bands.
Repayment, limits, and CRB
- Repay within 30 days: Daily maintenance accrues until cleared. Early repayment reduces total cost.
- Limit growth: Frequent usage + on-time repayment raise your limit; missed or late payments shrink it, sometimes to zero.
- CRB risk: Balances unpaid for 90+ days can trigger listing. Clear dues to restore standing.
- Multiple lines: Each Safaricom line has its own score. Default on one line impacts that line's access; good behavior can restore it over time.
- Collateral clause: Safaricom/NCBA/KCB may use funds held with them to offset outstanding Fuliza debt if you default.
- Excise duty: The access fee already includes 20% excise duty.
Tip: Repay the same day or next day to avoid daily maintenance fees. Keep regular M-PESA activity and repay fast to keep limits healthy.
How to opt in to Fuliza
- Dial *334# on your Safaricom line.
- Select Fuliza M-PESA and accept terms.
- Confirm enrollment; your starting limit is assigned instantly.
Alternatively, use the M-PESA app: open Fuliza, accept terms, and view your dashboard.
How to opt out of Fuliza
- Dial *234# -> Fuliza M-PESA.
- Select 98 (more) then 7 to opt out.
- Confirm exit; you'll receive an SMS.
Important: Clear any outstanding Fuliza balance (principal + fees) before opting out. Opting out can reset or reduce your future limit; when you return, scoring is based on your prior Fuliza repayment history, not general M-PESA activity.
Fuliza ya Biashara (till overdraft)
Business tills can draw unsecured credit to keep daily operations moving. Limits range from KES 1,000 to 400,000 depending on your till profile. Each draw attracts an access fee and a tiered daily access fee after a 24-hour free window. Confirm exact rates in your Fuliza ya Biashara terms.
| Amount (KES) | Daily Access Fee (KES) |
|---|
To join: dial *234# and follow the Fuliza ya Biashara prompts. Pay back promptly to maintain or grow your business limit.
Business tip: Keep till activity high and repay draws quickly; prolonged negative balances may reduce your limit or pause access.
Frequently Asked Questions (FAQs)
What is Fuliza M-PESA?
Fuliza is a Safaricom overdraft that lets M-PESA users complete payments when their wallet balance is insufficient. It is provided in partnership with NCBA and KCB, and is automatically applied once you opt in and have an approved limit.
How much is Fuliza interest per day on Safaricom?
Fuliza does not charge a daily interest rate. Instead, it uses a daily maintenance fee that depends on the amount borrowed. For amounts up to Ksh 1,000, the first three days of daily fees are waived.
What is the repayment period for Fuliza?
Fuliza should be repaid within 30 days. If the balance remains unpaid after that period, access can be suspended until the outstanding amount is cleared.
How do I qualify for a Fuliza loan?
You must opt in to Fuliza and have an active M-PESA line. Eligibility and limits are determined by M-PESA usage patterns and repayment history, and are reviewed periodically.
How can I increase my Fuliza loan limit?
Use M-PESA regularly, repay Fuliza on time, and keep your account active. Limits are updated automatically based on scoring, so consistent repayment helps grow your limit over time.
How to Fuliza 1,000?
Ensure you are opted in and have at least Ksh 1,000 available in your Fuliza limit. Start a normal payment (send money, paybill, or till), and Fuliza will top up the shortfall automatically. Repay as soon as possible to reduce fees.
How many times can you Fuliza in a day?
You can Fuliza multiple times a day as long as you have available limit. Each draw reduces your remaining limit and attracts its own access fee and daily maintenance charges.
What happens if I do not repay Fuliza?
Your Fuliza access can be suspended after the repayment window, and daily fees continue to accrue until you clear the balance. Prolonged non-payment may be reported to credit bureaus depending on lender policies.
Can Fuliza put you in CRB?
Late or unresolved Fuliza balances can be reported to credit bureaus depending on Safaricom and partner lender policies. To avoid this, repay early and keep your account in good standing.
What is the penalty for late payment of a Fuliza loan?
Daily maintenance fees continue to apply while the balance is outstanding. After the repayment period, access may be suspended and late balances can impact your limit or credit record.
Who owns Fuliza M-PESA?
Fuliza is an M-PESA product operated by Safaricom in partnership with NCBA Bank and KCB Bank. Safaricom manages the platform while the partner banks provide credit facilities.
What is *334 used for?
*334# is Safaricom's M-PESA USSD code. You can use it to opt in to Fuliza, check your limit, send money, and access other M-PESA services without internet.
How to get a quick loan with M-Pesa?
For instant shortfalls, Fuliza works as an overdraft. For cash loans, you can use M-Shwari or KCB M-PESA through the M-PESA menu or app, subject to eligibility and limits.
Does M-Shwari lock savings earn interest?
Yes. M-Shwari Lock Savings earns interest and pays it at maturity. Rates can vary by term, with published rates reaching around 7% per annum in recent schedules.
Can M-PESA hold 1 million?
No. The standard M-PESA wallet balance limit is Ksh 500,000. If you need to hold more than that, use a bank account or a savings product linked to M-PESA.
Disclaimer
This guide is for general information only and not financial advice. Fuliza fees and policies may change. Always review the latest terms from Safaricom/NCBA/KCB before borrowing.