How to send money via M-Pesa even when you have less transaction fee


You can now send M-pesa to friends and family even when you are low on the transaction fee charged.

Making the announcement today, Safaricom in partnership with Commercial Bank of Africa said a new feature on the M-Pesa wallet dubbed FULIZA will enable the success of the transaction.

FULIZA is meant to complement the existing 30-day term loan , currently offered as M-shwari.

Further, it has been introduced to help the customer complete M-PESA transactions that would have otherwise failed or postponed due to insufficient funds.

“This new credit solution, further promotes our strategic agenda for a cashless economy that is more efficient with clear advantages and incentives to the consumer for making payments digitally,” said Isaac Awuondo, CBA Group Managing Director.


Customer who Send Money and Lipa na M-PESA transaction (Buy goods and Pay bill) value is greater than their M-PESA wallet balance, can complete the transaction with the benefit of the Fuliza limit for an access fee of 1 per cent

A maintenance fee of between Sh2- Sh30 per day is then applied each day that the wallet remains overdrawn.

Whenever you receive an inflow into your M-PESA wallet, the over drawn position is regularized.
During this period that your M-PESA wallet is overdrawn, one shall still have access to their M-Shwari limit.


To subscribe (opt-in) to this service, a customer shall dial *234*0# and agree to the presented Fuliza Terms and Conditions

Fuliza is targeted at all Safaricom M-PESA customers that have been active for at least the past 6 months and maintain a good M-Shwari credit performance history.

The service will be offered on the M-PESA Sim Toolkit (STK) Application and My Safaricom App.

One does not necessarily have to be an existing M-Shwari customer in order to opt in to this service. Fuliza is available for Send Money and Lipa na M-PESA transactions.

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