Skip to content
paybillke
Lending

Fuliza USSD code and how to use (Kenya 2026)

Everything Fuliza on USSD.

AO
by Reviewed by Michael Mwangi 7 min read Updated 26 August 2026Verified 26 Aug 2026
  1. Dial *334#.
  2. Select Loans and Savings, then Fuliza.
  3. Options include: opt in, check limit, opt out, repay.

Opt in

First-time users must opt in from this menu. The opt-in accepts KCB and NCBA (issuer banks) overdraft terms.

How Fuliza engages

Once opted in, Fuliza engages automatically: attempt an M-PESA transaction that exceeds your balance and Fuliza tops up the difference up to your assigned limit. No further menu needed.

Repay Fuliza

Repayment is automatic: any incoming M-PESA credit is applied to the outstanding Fuliza balance first, before showing in your available balance. To repay manually, dial *334# and select Repay Fuliza.

Cost

Access fee at drawdown plus a daily maintenance fee on the outstanding balance. Rates are published on the Safaricom Fuliza page; verify current schedule at drawdown. See our Fuliza review for the honest cost picture and when it becomes a trap.

Opt out

Dial *334# and select Opt Out. Any outstanding Fuliza balance must be cleared before opt-out succeeds.

Sources

  1. Safaricom PLC. Fuliza product page, safaricom.co.ke.
  2. KCB Bank Kenya and NCBA Bank Kenya. Issuer banks for the Fuliza overdraft.

FAQ

What is the Fuliza USSD code?

*334# on a Safaricom line opens the M-PESA menu. Choose Loans and Savings, then Fuliza, to opt in, check your limit, opt out or repay.

How does Fuliza engage automatically?

Once opted in, Fuliza engages whenever you attempt to send or pay more than your M-PESA balance, up to your assigned limit. It is repaid automatically from incoming M-PESA credits.

Further reading

Curated external sources we cite. Open in a new tab.