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How Get Safaricom Fuliza Loan: Borrow and Withdraw from Fuliza Mpesa


How To Withdraw From Fuliza

 What is Safaricom Fuliza Loan

Fuliza Mpesa loan is a form of overdraft by Kenya’s largest telco Safaricom and it’s mshwari partner Commercial Bank of Africa (CBA). It’s an overdraft service or simply Okoa Mpesa loan which allows mpesa users to send money to friends and relatives or pay for services through  Lipa na Mpesa with less or zero mpesa account balance.

M-Pesa users can now send money or pay for goods and services when they have insufficient balance in their accounts after Safaricom rolled out Fuliza to all subscribers on its mobile money platform over the weekend.

Rollout of the overdraft facility to the firm’s 24. 2 million M-Pesa users follows a successful pilot programme in November last year.

  • How To Withdraw From Fuliza

  • How To Borrow From Fuliza

  • How To Withdraw Money From Fuliza

  • How To Withdraw From Fuliza Mpesa

  • How To Use Fuliza Mpesa

  • How To Use Fuliza

  • How To Pay Fuliza Loan

  • How To Get Fuliza Loan

  • How To Apply Fuliza Loan

  • How To Pay Fuliza

  • How To Access Fuliza

  • How To Use Safaricom Fuliza

It also comes at a time when M-Pesa and data services helped buoy its half-year net earnings by 20.22 per cent to Sh31.5 billion, underlining the importance of capitalising on its mobile money services to grow revenues.

With Fuliza, M-pesa users can now get overdrafts of as high as Sh50,000 depending on the value of their transactions through the service that was rolled out on Saturday.

The telco launched the overdraft facility in partnership with KCB and CBA. It attracts a daily charge of 0.5 per cent of the borrowing as a top-up to enable M-Pesa customers complete transactions.

The two banks will use algorithms based on transactions such as M-Pesa deals and airtime use to set a limit on amount which can be accessed by individual customers.

Safaricom had 24,206,341 active subscriptions on its M-Pesa platform at the end of September, according to industry data by the Communications Authority of Kenya.

Fuliza is the latest innovation by the firm as it seeks to leverage on M-Pesa to generate additional revenue for Safaricom.

How to Register and use Safaricom Fuliza

You can use Safaricom Fuliza thorough  mysafaricom app that can be downloaded from Google playstore or through USSD by  dialing *234# and select FULIZA. Proceed to accept the terms and conditions and finally register.

Safricom Fuliza Loan Rates and Fees

The loan comes with an access fee of 1% of the overdraft and a daily fee of ksh 1. If you’ll repay the loan after 30 days you’ll have to add ksh30 as the daily fee.If you repay the same day after getting the overdraft you’ll pay nil daily fee.

Withdrawing Fuliza Mpesa loan

You can withdraw Fuliza Mpesa loan  money directly from your Mpesa account as of now. You can get this money if you’ll send it to a friend or relative and then ask them to withdraw that cash from an Mpesa agent and hand it back to you.

The intended use however is ’emergency’ like  paying for items or services through Lipa na Mpesa even if your Mpesa balance is low or nil.

How to Repay Fuliza Loan

Safaricom will be doing direct deductions from deposits into your Mpesa account till theFuliza overdraft is fully settled.
Fuliza Loan must be fully paid within 30 days. Unfortunately, If the loan remains unpaid for more than 90 days, you’ll be negatively listed (blacklisted) with the Credit Reference Bureau (CRB).


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4 years ago

what is the requirement to enrolled for fuliza mpesa?

4 years ago

I like it, is si impressive

Irene Norah Awuor
Irene Norah Awuor
4 years ago


Mathew Letereua
4 years ago


4 years ago

Great idea..✊🏿

salome. Ibrahim
4 years ago

Your Comment. loan

salome. Ibrahim
4 years ago

Your Comment. loan atoakas

Grace atieno
4 years ago

it is a good idea

Jane mwihaki
4 years ago

Show me the way to withdraw fuliza loan

Nathan machuki
Nathan machuki
4 years ago

Why I have denied fuluza loan and yet am broke as well as am a client.as I email I need fuluza loan right now.please! Comply

Jesse Mwale
Jesse Mwale
4 years ago

Is it possible to withdraw direct using agent number

Felix Buoga
Felix Buoga
3 years ago

show how to withdraw pl

11 months ago