Fuliza M-PESA is an overdraft service offered by Safaricom in partnership with KCB and NCBA. It enables M-PESA users to complete transactions even when they don’t have enough money in their wallet. Whether you’re buying airtime, paying bills, or sending money, Fuliza ensures your transactions go through as long as you’re within your assigned limit.
If you’ve already opted in to Fuliza, checking your loan limit and current balance is straightforward and takes just a few seconds. Here’s how:
Step-by-Step: How to Check Fuliza Limit and Balance
1. Dial *234#
Make sure you’re using your active Safaricom line that’s already registered for Fuliza.
Not yet registered. You’ll need to opt-in to Fuliza first. Simply dial *234#, select Fuliza, then follow the prompts to activate the service.
2. Select Option 0 – “Fuliza M-PESA”
This takes you into the Fuliza menu, where you can manage your overdraft service.
3. Choose What You Need
- To check your Fuliza limit, select Option 1: “Check My Limit”
- To check your current Fuliza balance, select Option 2
4. Wait for the System to Process Your Request
Once submitted, Fuliza will process your request in real-time.
5. Receive an SMS Notification
In a few seconds, you’ll receive a text message from Safaricom containing:
- Your current Fuliza limit
- Your outstanding balance, if you have used the overdraft
What Is a Fuliza Limit?
Your Fuliza limit is the maximum amount Safaricom allows you to borrow through the overdraft facility. It can increase or decrease based on your M-PESA usage, how frequently you use Fuliza, and how promptly you repay.
Why You Should Monitor Your Fuliza Balance
Keeping track of your Fuliza balance helps you:
- Know how much of your limit is still available
- Avoid unexpected deductions from your M-PESA account
- Plan repayments to improve or maintain your borrowing limit
READ MORE: Pochi La Biashara Charges & Registration Guide
How to Register and Use Safaricom’s M-PESA Pochi La Biashara
