Fuliza is Safaricom’s M-PESA overdraft, provided with partner banks NCBA and KCB. It lets you complete a payment when your M-PESA balance is too low. Enter the amount you’ve overdrawn and how many days until you repay to see the cost.
Fuliza charges
Safaricom charges a one-off access fee of 1% of the amount you draw, plus a daily maintenance fee from midnight (00:00) the next day on the outstanding balance. Excise duty of 20% is charged on the daily maintenance fee.
| Outstanding (KES) | Daily fee | Excise (20%) | Total per day |
|---|---|---|---|
| 0–100 | 0 | 0 | 0 |
| 101–500 | 2.50 | 0.50 | 3.00 |
| 501–1,000 | 5 | 1 | 6 |
| 1,001–1,500 | 18 | 3.60 | 21.60 |
| 1,501–2,500 | 20 | 4 | 24 |
| 2,501–70,000 | 25 | 5 | 30 |
In its September 2022 announcement, Safaricom said the daily maintenance fee is waived for the first three days on Fuliza balances of KES 1,000 and below. The calculator applies that waiver. Its main Fuliza page lists the band fees above without mentioning the waiver, so check your statement.
Eligibility and limits
You need an active Safaricom M-PESA line registered with a national ID, Kenyan passport or military ID. Lines registered with a foreign passport cannot opt in. Limits are given to customers who have been on the network for at least six months, based on line activity, and are reviewed up or down depending on usage and on-time repayment. Opt in by dialling *334# and choosing Loans and Savings, then Fuliza.
Keeping Fuliza cheap
Because the daily fee is charged per day, clearing the balance quickly matters more than the access fee. Any money deposited into M-PESA goes first to repaying the outstanding Fuliza balance.
Frequently asked questions
How much does Fuliza charge?
A one-off 1% access fee plus a daily maintenance fee of KES 0 to KES 25 depending on the balance, with 20% excise duty on the daily fee.
Is Fuliza free for the first three days?
Safaricom announced in 2022 that the daily fee is waived for the first three days on balances of KES 1,000 and below. The 1% access fee still applies.
How do I opt in to Fuliza?
Dial *334#, select Loans and Savings, then Fuliza opt-in.
Why is my Fuliza limit zero?
Safaricom gives a zero limit to customers who have been on the network for less than six months.
Related: PAYE & net salary calculator · SHIF calculator · NSSF calculator · Housing Levy calculator · Bank loan calculators
Sources
- Safaricom – Fuliza (checked 13 October 2026)
- Safaricom press release – Fuliza restructure (2022) (checked 13 October 2026)
