Fuliza Calculator
What is Fuliza really costing you? Calculate the true cost and see cheaper alternatives.
Fuliza charges a 1% access fee plus daily maintenance fees based on your outstanding balance. This is one of the most expensive ways to borrow money in Kenya. Consider cheaper alternatives below.
About Fuliza
What is Fuliza?
Fuliza is an M-Pesa overdraft facility that lets you complete M-Pesa transactions even when your balance is insufficient. It was launched by Safaricom in partnership with NCBA in 2019. Over 33 million Kenyans use it.
How much does Fuliza cost?
Fuliza charges a 1% upfront access fee when it activates, plus a tiered daily maintenance fee based on your outstanding balance (e.g. KES 6/day for KES 501-1,000, KES 25/day for KES 2,501-5,000). It is one of the most expensive borrowing options in Kenya.
How can I reduce my Fuliza charges?
Repay your Fuliza balance as quickly as possible — charges are calculated daily on the outstanding amount. If you need money for more than a few days, consider M-Shwari or KCB M-Pesa which are significantly cheaper.
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