TA
Tala
CBK-licensed
Mobile loans up to KES 50,000 in minutes. CBK-licensed.
Visit TalaLending
Fuliza M-Pesa
Fuliza is M-Pesa's continuous overdraft. It activates automatically when you don't have enough M-Pesa for a transaction.
Send Money
234
Note: Continuous overdraft via M-Pesa, repaid automatically
Note: Fuliza is accessed and repaid through M-Pesa automatically — no traditional paybill.
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Before borrowing from Fuliza, see how the rates and approval times stack up against Tala, Branch, KCB-M-Pesa, and Hustler Fund.
Compare lendersHow to pay Fuliza
M-Pesa
Pay via M-Pesa 234
- Dial *234# on your Safaricom line.
- Follow the prompts — the menu will guide you through the rest.
About Fuliza
Fuliza is M-Pesa's continuous overdraft. It activates automatically when you don't have enough M-Pesa for a transaction.
- Sector
- Lending
- Official site
- safaricom.co.ke
Compare lenders
Compare alternatives to Fuliza
Other CBK-licensed digital lenders. Rates and approval criteria vary.
BR
Branch
CBK-licensed
Mobile loans with credit-history building. CBK-licensed.
Visit BranchZN
Zenka Finance
CBK-licensed
First loan free, then competitive rates.
Visit Zenka FinanceFrequently asked about Fuliza
What is Fuliza's send money number?
Fuliza's M-Pesa send money is *234#. Fuliza is M-Pesa's continuous overdraft. It activates automatically when you don't have enough M-Pesa for a transaction.
Can I pay Fuliza from abroad?
Yes — diaspora users typically send via remittance services like Wise, Sendwave, Lemfi, or WorldRemit, which deposit directly to Fuliza's send money 234. Compare fees on our diaspora hub before sending.
How do I repay my Fuliza loan?
Use M-Pesa send money *234# with your Activate via M-Pesa menu — Fuliza M-Pesa.. Repayments typically reflect within minutes.
What if I pay the wrong amount or use the wrong paybill?
Contact Fuliza support immediately with your M-Pesa transaction code. If you sent to the wrong paybill entirely, contact Safaricom on 100 (free from a Safaricom line) within 7 days to request a reversal — though success isn't guaranteed.
How do I confirm my payment to Fuliza went through?
M-Pesa sends a free SMS confirmation with a transaction code (e.g., ABC12DEF345). Save this code — it's your proof of payment. Fuliza should also confirm receipt via their channels.
Further reading
Curated external sources we cite. Open in a new tab.
M-Pesa Fuliza Calculator
Fuliza overdraft access fee + daily charges calculator.
mpesa.or.ke · calculator
M-Pesa Fuliza: How It Works, Charges & Limits in 2026
Comprehensive deep-dive on Fuliza overdraft mechanics.
mpesa.or.ke · guide
Fuliza for Business Calculator
B2B Fuliza fees for merchants who use Fuliza for Business.
mpesa.or.ke · calculator
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Related paybills
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Paybill displayed: 234 (mpesa send-money). How we verify.