Steps on How to Fuliza: A Quick Guide to Accessing M-Pesa Overdraft. 

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  1. Make Sure You Have an M-Pesa Account: First, make sure you're registered with M-Pesa. You can visit a Safaricom agent to sign up if you're not already a user.
  2. Activate Fuliza on Your M-Pesa:
  • Dial *234# on your phone.
  • Select the Fuliza M-Pesa option from the menu.
  • Follow the prompts to agree to the terms and activate the service.
  • You will receive a message confirming that Fuliza is activated and stating your overdraft limit.
  1. Check Your M-Pesa Balance: Before making a transaction, it's always helpful to know your balance. Fuliza will only come into play when you don’t have enough money in your M-Pesa wallet to complete a transaction.
  2. Start a Transaction:
  • When you're ready to send money, pay a bill, or buy something using M-Pesa, initiate the transaction as usual.
  • If your balance is insufficient, M-Pesa will notify you. It will provide an option to "Fuliza" to complete the transaction using the overdraft.
  1. Confirm the Use of Fuliza: You will receive a message. It will ask if you’d like to use Fuliza to complete the transaction. Confirm this, and the transaction will be processed using the Fuliza amount.
  2. Repay the Fuliza Overdraft: Once you've used Fuliza, Safaricom will automatically deduct the borrowed amount from your next M-Pesa deposit. Make sure to top up your account as soon as possible to clear the debt.
  3. Monitor Your Fuliza Limit: Keep track of how much you've borrowed and repaid. You can dial *234# at any time to check your current Fuliza limit and balance.

By following these steps, you can access Fuliza easily and manage your overdraft efficiently.

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