MPESA shop to Fuliza
MPESA shop

In contrast to the previous mode, in which the service could only be used to make payments, users of Safaricom's overdraft service, Fuliza, can now make direct cash withdrawals from M-Pesa agent stores.


This marks a departure from the previous mode, in which the service was only available to make payments.



Customers can withdraw as much money as their Fuliza limit, minus the normal transaction fees, just like they would if they had real money in their M-Pesa wallets.

 How to fuliza in an MPESA shop?

For instance, a client with an overdraft limit of 500 Kenyan shillings is able to go up to an M-Pesa agent with an empty account and withdraw 473 Kenyan shillings, even if the consumer is charged a withdrawal fee of 27 Kenyan shillings.


How to withdraw from Fuliza 

  • Go to our Safaricom Mpesa
  • Withdraw option(MPESA Agent)
  • Add Agent number
  • Amount (Equivalent to your fuliza limit)
  • Accept Fuliza in a pop menu
  • Enter MPESA pin and withdraw.


Users have only been able to use Fuliza to make payments through the till and pay bill numbers, as well as send money to other M-Pesa customers, when they do not have adequate balances in their wallets. When Fuliza came out in 2019, this feature was added, and it has been available ever since.

How to borrow from FULIZA

  • Dial *334#
  • Select Loans and Savings
  • Select FULIZA.
  • OPT in.


The new change makes the facility seem more like a loan program, even though the telecom says it is not a loan program and says it is different from other products like KCB M-Pesa and M-Shwari. 


It also comes just a little over a month after the government handed out financial assistance to empower small-scale traders via the much-publicized Hustler Fund. All of this points to Safaricom's increased attempts to fend off rivalry in the mobile lending industry.


Since its inception, Fuliza has grown into a widely used service, as seen by the steadily increasing total loan amounts throughout the course of its existence. The service is backed by the lending organizations NCBA Group and KCB Group.


When compared to the same time in 2021, when the amount that was disbursed was just 220 billion shillings, the amount that was borrowed from the overdraft service increased by 30.7% to reach 288 billion shillings during the six months leading up to June of the previous year. The sum reached a high of Sh176 billion during the first half of the year 2020.


In comparison to Sh1.2 billion and Sh972.3 million during the same time period in 2021 and 2022, respectively, the numbers from the previous year's data equate to a daily borrowing amount of Sh1.57 billion. 

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