Fuliza M-PESA is a popular overdraft service offered by Safaricom, allowing users to complete M-PESA transactions even when they don’t have enough funds in their wallet. While convenient, there are times when a customer may wish to deactivate Fuliza, especially to manage personal finances more independently or avoid recurring daily charges.
If you’re wondering how to opt out of Fuliza, here’s a clear and updated guide using both USSD code and the M-PESA app.
What is Fuliza and Why Might You Want to Opt Out?
Fuliza allows you to:
- Buy goods and services via Lipa na M-PESA
- Pay bills
- Send money to other M-PESA users
However, Fuliza:
- Applies daily maintenance fees until the overdraft is cleared
- Is automatically repaid from your incoming M-PESA funds
- May lead to over-reliance on debt for regular transactions
How to Opt Into Fuliza (For Reference)
If you’re not yet registered and want to activate Fuliza:
- Dial
*234# - Select “Fuliza M-PESA” and follow the prompts
How to Opt Out of Fuliza M-PESA (USSD Method)
- Dial
*234#from your Safaricom line - Select “Fuliza M-PESA” (usually option 0)
- Choose “Opt-Out” (option 7)
- Confirm your request to deactivate Fuliza
You’ll receive a text message confirming that you have successfully opted out of the service.
Important Note: If you decide to rejoin Fuliza later, your credit limit may change based on your transaction history and repayment behavior.
How to Opt Out Using the M-PESA App (Simpler Method)
- Open the M-PESA app on your smartphone
- Tap on the Transact section
- Scroll down and select “Fuliza”
- Once on the Fuliza dashboard, tap the three-dot menu (top right corner)
- Select “Opt Out” and confirm your decision
This method is typically faster and more intuitive compared to the USSD option.
Additional Tips:
- Before opting out, ensure your Fuliza balance is cleared to avoid any deductions.
- If you experience financial strain from recurring Fuliza charges, consider switching to alternatives like M-Shwari, KCB M-PESA, or Tala, which may offer better repayment flexibility.
- You can always opt back in if your circumstances change.
