How to activate and join Fuliza M-pesa.

Fuliza M-PESA is a new service which allows M-PESA customers to complete their M-PESA transactions when they have insufficient funds in their account.

Table of Contents

How do I activate Fuliza M-PESA Service?
You need to be an M-PESA registered customers with an active Safaricom line.
Dial *234# and select Fuliza M-PESA to opt in.


  • How many accounts can I hold for Fuliza M-PESA services?
    Every M-PESA registered line will be treated as a different account. Each mobile number will qualify for Fuliza M-PESA and will be awarded a limit. This limit will be reviewed every 3 months depending on your usage.


  • How will I know my Fuliza M-PESA account details?
    Dial *234# and Select Fuliza M-PESA to check your limit, balance, mini statement and opt out option. Every time you transact using Fuliza, you will receive an sms with the outstanding Fuliza amount.
  • How many times can I use Fuliza M-PESA?

You can use it as many times as needed as long as you are within the allocated Fuliza M-PESA limit.

  • How do I use my Fuliza limit?

All you need to do is transact normally on M-PESA and if you have insufficient funds, Fuliza M-PESA will cover the shortfall.


  • How do I grow my Fuliza M-PESA limit?
    Continue using Safaricom and M-PESA services frequently and repay Fuliza M-PESA on time by toping up your M-PESA account.
    C3 – Safaricom Confidential Internal
  • How much will I be charged for using Fuliza M-PESA?

You will be charged 1% access fee and a maintenance fee on the outstanding
balance as per below table. Normal M-PESA transaction charges apply.
Band Tariff
Promotional Tariff for:
30 day from launch
0 -100 One-time fee of Ksh 2 One-time fee of Ksh 0
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