How to opt out of Fuliza M-PESA: Everything To Know

Tired of Fuliza M-PESA charges? Learn how to opt-out, find alternative solutions, and embrace financial freedom.

Jul 19, 2023 - 17:00
How to opt out of Fuliza M-PESA: Everything To Know
How to opt out of Fuliza M-PESA: Everything To Know

We have all been there - cash-strapped and relying on financial services like Fuliza M-PESA to get by. However, the daily charges can pile up, pushing you to reconsider your choices. So, if you are wondering how to opt out of Fuliza M-PESA, this comprehensive guide covers you. Let us walk you through why you might want to opt out, the detailed process, and the pros and cons of making this decision.

Why Opt Out of Fuliza?

For many Fuliza users, there are generally two main reasons to opt out of the service:

1. Aspiration for a Higher Limit

You might have heard about people increasing their Fuliza loan limit by simply opting out and then opting back in. It is an attractive hack, but be warned – it does not always work. Plus, having a higher limit could encourage you to borrow more, eventually accumulating more charges.

2. Breaking the Borrowing Cycle

Many users opt out of Fuliza M-PESA because they are weary of the borrowing cycle and associated costs. If you are among them, saying goodbye to Fuliza could be the start of your journey to financial freedom.

How to Opt Out of Fuliza M-PESA

There are two ways you can opt out of Fuliza M-PESA:

 1. Via the USSD 234#

Those who prefer a more traditional method can opt out via USSD. Here is how:

  1. Dial *234#.
  2. Reply with option 0 for Fuliza M-PESA.
  3. Choose option 98 for 'More,' then select option 7 to opt-out.
  4. Tap 'Send,' and you will soon receive a confirmation SMS.

2. Via the M-PESA App

The M-PESA app also offers an opt-out option. Follow these steps:

  1. Open the M-PESA app.
  2. Go to the transaction section and select Fuliza.
  3. Once the Fuliza dashboard opens, click the three dots at the top right.
  4. Select 'Opt out of Fuliza,' then await a confirmation SMS.

What Happens When You Opt Out of Fuliza?

There are consequences when you opt out of Fuliza, both good and bad:

1. Your Fuliza Limit May Change

By opting out and then opting in again, you could increase your Fuliza loan limit. However, this is only partially guaranteed. Sometimes your limit may reduce, remain the same, or even disappear altogether.

2. Your Credit Score Can Change

Exiting Fuliza can affect your credit score. If you opt back in, Safaricom will assess your previous Fuliza loan repayment history rather than your overall M-PESA history.

3. Limited Access to Fuliza Services

Once you opt out, you cannot use Fuliza unless you opt back in. You also cannot opt out if you have an outstanding Fuliza loan.

Alternatives to Fuliza

If not Fuliza, then what? There are various alternatives to consider, such as budgeting and saving, using other loan services, or seeking financial advice to better manage your income and expenses.

Can I Still Access Other M-PESA Services After Opting Out of Fuliza?

If you consider opting out of Fuliza, you may wonder if you can still access other M-PESA services. The answer is yes. You can still access other M-PESA services after opting out of Fuliza.

Here are some of the M-PESA services that you will still be able to access after opting out of Fuliza:

  • Sending and receiving money
  • Paying bills
  • Buying goods and services
  • Transferring money to other banks
  • Cashing out money
  • Loading airtime
  • Buying insurance
  • Investing in shares

However, there are a few things to keep in mind after opting out of Fuliza:

  • You will no longer be able to use Fuliza to borrow money.
  • If you have any outstanding Fuliza loans, you will need to repay them in full.
  • You may not be able to access some of the more advanced features of M-PESA, such as the ability to borrow money from other M-PESA users.

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


Opting out of Fuliza M-PESA might sound like a complex process, but with the correct information and guidance, it does not have to be. Remember, your financial freedom is a journey; every step you take towards it counts!


1. Can I opt out of Fuliza with an unpaid loan? No, you must clear any outstanding Fuliza loan before opting out.

2. Will my credit score change if I opt out of Fuliza? Yes, your credit score may change based on your previous Fuliza loan repayment history.

3. Can I use Fuliza after opting out? No, you need to return to the service to use it again.

4. Can opting out increase my Fuliza limit? It is possible but not guaranteed. Your limit could also decrease or stay the same.

5. What are the alternatives to Fuliza M-PESA? Alternatives include budgeting and saving, using other loan services, or seeking financial advice.

6. How do I opt back into Fuliza after opting out? You can opt back in via the same method you used to opt out: either the USSD code or the M-PESA app.

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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.