Mwangi Luke
Fraud,Politics and entertainment Blogger with over 4 years experience in this field


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This is an overdraft service from Safaricom that allows M-PESA customers to complete their M-PESA transactions when they have insufficient funds in their M-PESA account.

In order for you to use this service, you need to be at least 18 years old and a registered and active MPESA subscriber for at least 6 months after registering for MPESA. These are the minimum requirements for this service.

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This service is an agreement between you, Safaricom and Commercial Bank of Africa.

There is an ‘overdraw limit which is the maximum amount you can be allowed to have that is dependent on your credit score. You will receive a message that will show your overdraw limit. Safaricom says that Mpesa transactions will grow your overdraw limit.

Safaricom will take into account any outstanding facilities plus fees on your MPESA account when they are processing your request.

Once you utilize your Fuliza facility, it is repayable within a maximum of 30 days and a 1% ‘access fee’ is applied to the amount borrowed on top of a daily ‘maintenance fee’ on the outstanding Fuliza balance.

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Fuliza Interest Rates

The Fuliza loan interest charges are as below:

Ksh 0-100 ( daily fee Ksh 2 )
Ksh 101-500 ( daily fee Ksh 5 )
Ksh 501-1000 ( daily fee Ksh 10 )
Ksh 1001-1500 ( daily fee Ksh 20 )
Ksh 1501-2500 ( daily fee Ksh 25 )
Ksh 2501-70000 ( daily fee Ksh 30 )

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Safaricom’s Fuliza Interest Rates