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All you need to know about Safaricom’s M-Pesa Overdraft facility Fuliza

Staff WriterNovember 4, 2018
1 min read
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Safaricom announced the introduction of Fuliza, an M-Pesa overdraft facility for its customers, at the announcement of their half year results.

Fuliza will enable M-Pesa customers to be able to access funds to pay bills or buy goods and services. The new service is in partnership with Commercial Bank of Africa (CBA).

13 places you can get quick loans in Kenya

Here is how it works.

1. Signing up

Safaricom Fuliza
Safaricom Fuliza

You can sign up by going to the MySafaricom app and opting in under the Fuliza tab in M-Pesa. You can also sign up via USSD by dialing *243# .

Additionally, you must be 18 years old and above and have been a M-Pesa customer for 6 months.

2. Overdraft

Once you sign up for the service, you will receive a confirmation message that has the overdraft limit. If the confirmation message does not have a limit then you may need to transact a bit before you can get an overdraft facility.

3. Charges

The charges for the overdraft are a 1% access fee and a maintenance fee on the outstanding balance as per the table below. This means that the sooner you pay for it the better if you don’t want to pay expensive charges.

Amount Charges
0 -100 One-time fee of Ksh 2
101-500 Ksh 5 per day
501-1000 Ksh 10 per day
1001-1500 Ksh 20 per day
1501-2500 Ksh 25 per day
2501-70000 Ksh 30 per day

4. Repayment

Once you receive an overdraft, you have to pay it within 90 days or you will be in default. When you sign up, you give Safaricom the power to recover the overdraft  plus any accrued fees from your M-Pesa account until such a time it is fully paid. .

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