M-Pesa Fuliza is essentially an overdraft facility integrated directly into the M-PESA platform. The service enables customers to "overdraw" their M-PESA accounts to complete transactions when their account balance is insufficient to cover the full transaction amount. The word "Fuliza" is derived from Swahili, meaning "to flow through," which perfectly captures the seamless nature of this service.
How to Activate M-Pesa Fuliza
Method 1: USSD Code Activation
- Dial
*334#on your Safaricom line - Select "Loans and Savings" from the menu
- Choose "Fuliza M-PESA" option
- Follow the prompts to opt in
- Receive confirmation SMS with your allocated limit
Method 2: M-PESA App Activation
- Download the M-PESA Super App from Google Play Store or Apple App Store
- Sign in using your M-PESA credentials
- Navigate to the Fuliza section
- Complete the opt-in process
- Confirm activation and receive your limit notification
Method 3: MySafaricom App
- Open the MySafaricom app
- Access M-PESA services
- Select Fuliza M-PESA
- Opt in following the guided process
