What is Fuliza? This is a service that allows M-PESA customers to complete their M-PESA transactions when they have insufficient funds in their M-PESA account.
What are the requirements and how do I activate Fuliza M-PESA Service? You need to be an M-PESA registered customers with an active Safaricom line. Dial *234# and select Fuliza M-PESA to opt in.
How many accounts can I hold for Fuliza M-PESA services? Every M-PESA registered line will be treated as a different account. Each mobile number will qualify for Fuliza M-PESA and will be awarded a limit. This limit will be reviewed every 3 months depending on your usage.
How will I know my Fuliza M-PESA account details? Dial *234# and Select Fuliza M-PESA to check your limit, balance, mini statement and opt out option. Every time you transact using Fuliza, you will receive an sms with the outstanding Fuliza amount.
How many times can I use Fuliza M-PESA? You can use it as many times as needed as long as you are within the allocated Fuliza M-PESA limit.
Which M-PESA transactions can I complete using Fuliza M-PESA? Lipa Na M-PESA: Buy goods and Paybill as well as Send money.
How do I use my Fuliza limit? All you need to do is transact normally on M-PESA and if you have insufficient funds, Fuliza M-PESA will cover the shortfall.
How do I grow my Fuliza M-PESA limit? Continue using Safaricom and M-PESA services frequently and repay Fuliza M-PESA on time by toping up your M-PESA account
Can I withdraw money from Fuliza? No, you cannot withdraw funds from Fuliza M-PESA.
How will I repay my Fuliza M-PESA? Any funds received or deposited in your M-PESA account will automatically be used to clear your outstanding Fuliza M-PESA.
What is the minimum and maximum amount I can send using Fuliza M-PESA? M-PESA limits apply: Transaction limits 1- 150,000/=
Will I get money reversed if I send/pay to a wrong number/till and had used Fuliza M-PESA? M-PESA reversal process applies as long as the recipient has not utilized the funds. You can also initiate reversal by sending the M-PESA SMS to 456 NB: Transactional charges will not the reversed.
Is Fuliza M-PESA a loan product? No. This is a continuous overdraft service that allows you to complete M-PESA transactions when you have insufficient funds.
Are there any Penalties for late repayment? You will not have access to your Fuliza M-PESA limit if you have any unpaid balance after day 30. This will however be restored on full repayment of your Fuliza balance.
The Consumers Federation of Kenya (Cofek) is Kenya’s independent, self-funded, multi-sectorial, non-political and apex non-profit Federation committed to consumer protection, education, research, consultancy, litigation, anti-counterfeits campaign and business rating on consumerism and customer-care issues.
As an individual or corporate citizen, everyone can partner with the Consumers Federation of Kenya. We are non-political, non-religious and non-racial. We deal a lot on technical consumer capacity issues…