How to Fuliza M-Pesa to Another Number: Your Ultimate Guide

Learn how to make the most of Fuliza M-Pesa, the innovative service that allows you to transact even when your account balance is low. Find out how to activate it and leverage its features.

Aug 27, 2023 - 08:20
How to Fuliza M-Pesa to Another Number: Your Ultimate Guide
How to Fuliza M-Pesa to Another Number: Your Ultimate Guide

Fuliza, the innovative service that revolutionized M-Pesa transactions, has become a lifeline for many Kenyans. With Fuliza, you can complete M-Pesa transactions even when your account balance is insufficient. This guide will take you through everything you need to know about how to Fuliza M-Pesa to another number and make the most of this service.

Key Takeaways from the Article:

  1. Fuliza M-Pesa offers an overdraft facility for M-Pesa users.
  2. The service allows transactions with insufficient funds within a predetermined credit limit.
  3. Qualification requires an active M-Pesa line for six months and no outstanding debts.
  4. Fuliza can send money, pay bills, buy airtime, and more.
  5. Activation involves dialing *234# and following the prompts.
  6. You can increase your Fuliza limit by maintaining an active line and settling debts.

Fuliza M-Pesa

Fuliza M-Pesa, a collaboration between Safaricom and NCBA Bank, offers an overdraft facility to active M-Pesa users. You can carry out various M-Pesa transactions without the required funds upfront. The service comes with a predetermined credit limit, often starting from Ksh 500, which allows you to transact as long as you stay within this limit.

Qualifying for Fuliza M-Pesa

To qualify for Fuliza M-Pesa, you must meet specific requirements:

  1. Your Safaricom M-Pesa line should be active for at least six months.
  2. The line should be registered using a Kenyan national ID, military ID, or passport.
  3. Ensure you don't have any outstanding loans, unpaid Okoa Jahazi, or other Safaricom-related debts.

Using Fuliza M-Pesa for Different Transactions

Fuliza M-Pesa can be used for various transactions, making it an incredibly versatile tool in your financial arsenal. Here's how you can leverage Fuliza for different purposes:

Sending Money via Fuliza:

    • Access your Fuliza by opting in and ensuring you're eligible.
    • Go to the M-Pesa menu and select "send money."
    • Enter the recipient's phone number and the transaction amount.
    • Input your M-Pesa PIN and wait for the Fuliza option to appear.
    • Accept the Fuliza offer to proceed with the transaction.

Paying Bills via Lipa na M-Pesa:

    • Ensure you're opted into Fuliza and meet the eligibility criteria.
    • Access Lipa na M-Pesa from the M-Pesa menu.
    • Choose the appropriate option: Buy Goods, Pochi la Biashara, or Pay Bill.
    • Complete the necessary details for the transaction.
    • When prompted, choose to use Fuliza for the payment.

Buying Airtime Using Fuliza:

    • Opt-in for Fuliza and ensure you meet the qualification requirements.
    • Access Lipa na M-Pesa and select the Pay Bill option.
    • Enter the business number 220220.
    • Use the recipient's phone number as the account number.
    • Choose to use Fuliza when prompted.

Withdrawing Cash at an Agent:

    • Dial *334#, access the SIM toolkit, and choose "withdraw cash."
    • Select the option to withdraw from an agent.
    • Input the agent's number and store number.
    • Enter the amount to withdraw and your M-Pesa PIN.
    • Choose to use Fuliza for the transaction.

Activating Fuliza M-Pesa

Before you can start using Fuliza, you need to activate the service by following these steps:

  1. Dial *234# on your Safaricom M-Pesa registered line.
  2. Choose option 0 for Fuliza M-Pesa.
  3. Select option 1 to opt in.
  4. Choose option 98, then 1, to accept the Fuliza terms and conditions.

How to Fuliza M-Pesa to Another Number

Sending Fuliza M-Pesa to another person's account is a breeze. Here's a step-by-step breakdown of the process:

  1. Access the M-Pesa menu on your device.
  2. Select the "send money" option.
  3. Enter the recipient's Safaricom phone number.
  4. Input the amount you wish to send (within your Fuliza M-Pesa limit).
  5. Provide your M-Pesa pin and confirm the transaction by clicking "OK."

Checking Fuliza M-Pesa Balance

To keep track of your Fuliza balance, you can check it using these steps:

  1. Dial *234# on your mobile phone.
  2. Select Fuliza M-Pesa (option 0).
  3. Choose option 2 (My Fuliza balance).
  4. Wait for an SMS showing your Fuliza balance.

Increasing Your Fuliza Limit

If you find your Fuliza limit is zero or you want to enhance it, you can take these steps:

  1. Ensure your M-Pesa line remains active for at least six months and is used frequently for transactions.
  2. Clear any unpaid loans, including Okoa Jahazi, MSHWARI, and KCB M-Pesa.
  3. Ensure CRB does not blacklist you.
  4. Consider opting out of Fuliza temporarily and then opting back in.

READ ALSO:How to Increase Fuliza Limits 


Fuliza M-Pesa has undeniably transformed how Kenyans manage their finances through M-Pesa. With its overdraft facility, you can transact seamlessly even when your M-Pesa wallet is low on funds. By following the steps outlined in this guide, you can confidently navigate the world of Fuliza and enjoy its benefits to the fullest.

Frequently Asked Questions

  1. How many Fuliza M-Pesa accounts can one have? You can possess multiple Fuliza M-Pesa accounts, as each registered line is considered distinct. Limits are reviewed every three months.
  2. Can Fuliza M-Pesa be sent to another number? Following the earlier steps, Fuliza can easily transfer to another person's M-Pesa account.
  3. Can we increase the Fuliza M-Pesa limit? Yes, using the service frequently and repaying loans punctually can elevate your Fuliza M-Pesa limit.
  4. Can funds be withdrawn from Fuliza M-Pesa? Unfortunately, direct withdrawal from Fuliza M-Pesa isn't feasible.
  5. Can money be sent using Fuliza M-Pesa? You can send money through Fuliza by accessing the M-Pesa menu and selecting the send money option.

Disclaimer: This article serves as a guide for understanding how to Fuliza M-Pesa to another number. While the information is accurate at the time of writing, financial services may change their terms and conditions. Always refer to official sources or contact service providers for the latest and most accurate information.

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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.