Fuliza Mpesa: How To Register, Withdraw And Opt Out Of Fuliza

Get to know Fuliza Mpesa, the game-changing overdraft service in Kenya. This comprehensive guide covers everything from registration to withdrawals

Jun 17, 2023 - 12:00
Jun 17, 2023 - 12:04
Fuliza Mpesa: How To Register, Withdraw  And Opt Out Of Fuliza
Fuliza Mpesa: How To Register, Withdraw And Opt Out Of Fuliza

In the digital age, Kenya has led Africa in mobile money innovation. One service that stands out is Fuliza Mpesa. This service is a lifesaver for many Kenyans, allowing them to complete Mpesa transactions even when they have insufficient funds in their Mpesa wallets. In this article, we'll unpack everything you need to know about Fuliza Mpesa, from how to register and use the service to withdrawing funds and opting out.

What is Fuliza Mpesa?

Launched in 2019 by Safaricom, Fuliza Mpesa is a financial service that offers a continuous overdraft. It allows Mpesa users to complete transactions even when their Mpesa balance isn't sufficient. This includes sending money, paying bills, and buying airtime.

How Does Fuliza Mpesa Work?

When you opt into Fuliza Mpesa, you are offered a specific limit that you can use. This limit can range from Ksh 1 to Ksh 70,000, depending on your usage of Mpesa services. When you perform a transaction that exceeds your Mpesa balance, you'll receive a prompt asking if you would like to use Fuliza to complete the transaction.

Fuliza Mpesa Registration: How to Opt-in

To use Fuliza Mpesa, you must first opt into the service. Here are the steps to follow:

  • Dial *234# on your mobile phone
  • Select the Fuliza Mpesa option
  • Select 'Yes' to opt-in

Alternatively, you can opt in via the new My Safaricom App:

  • Tap on 'Transact' in your Mpesa App
  • Navigate to the 'Financial Services' section and select 'FULIZA.'
  • Select 'Fuliza' and tap on 'Continue.'
  • Select 'View Fuliza Dashboard' to view your Fuliza limit and other transaction information

Before opting in, it's crucial to meet the following requirements:

  • Use an active Safaricom Mpesa-enabled Simcard
  • Your Safaricom line must have been active for at least six months
  • Your SIM card must have transacted M-Pesa money
  • CRB should not blacklist your line

Understanding Fuliza Mpesa Withdrawals

While you can't directly withdraw your Fuliza amount, there is a way around it. You can transfer the Fuliza balance to another Safaricom number. This process is known as Fuliza for another number.

How to Opt-Out of Fuliza Mpesa

You can opt-out quickly if you want to stop using the Fuliza service. Here's how:

  • Dial *234# on your mobile phone
  • Select 'Opt-out'
  • Confirm the process by tapping 'Yes.'
  • A notification will be sent to your mobile number to confirm the process.

READ ALSO: How To increase Fuliza Limits For 2023


Fuliza Mpesa is a convenient service for many Kenyans, allowing them to complete transactions even when short on funds. You can better manage your finances and avoid unnecessary charges by understanding how the service works. Remember, Fuliza should be used responsibly as a short-term solution, not a permanent source of funds.

Frequently Asked Questions about Fuliza Mpesa

What happens when my Fuliza limit is zero?

If your Fuliza limit is zero, you must still meet all the terms and conditions to use Fuliza services.

Can I buy credit using Fuliza?

Yes, you can buy credit using Fuliza by selecting the 'Buy Airtime Option' on your Mpesa menu or using the Paybill option to purchase airtime from service providers.

How do I increase my Fuliza limit?

Your Fuliza limit is determined by an internal Safaricom algorithm based on your Mpesa usage patterns. The more frequently and responsibly you use Mpesa services, the higher your Fuliza limit will be. This includes regular deposits, saving, and making transactions.

How do I repay my Fuliza?

Your Fuliza balance is automatically deducted when you deposit money into your Mpesa account. However, you can also make repayments by choosing the "Lipa na Mpesa" option and entering the Paybill number 234 and your mobile number as the account number.

What is the interest rate on Fuliza?

The cost of using Fuliza is a 1% access fee and a maintenance fee on the outstanding balance, which ranges from Ksh 2 to Ksh 30 per day. The costs and prices may have changed since then, so it's always best to confirm with the service provider.

What happens if I don't pay my Fuliza?

If you repay your Fuliza, Safaricom may allow you access to Fuliza services and possibly other Mpesa services once you clear your balance. Moreover, if the debt remains unpaid for a significant period, you may be reported to a Credit Reference Bureau (CRB), which can affect your ability to borrow money.

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Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.