How Much Does Fuliza Charge Per Day?

Quick answer: Fuliza charges a one-off access fee of 1% of the amount you Fuliza, plus a daily maintenance fee based on how much you owe, with 20% excise duty added to that daily fee. Borrow up to KES 1,000 and repay within three days and the daily fee is waived, though the 1% access fee still applies. The daily fee is a flat amount from KES 0 on the smallest balances up to about KES 30 a day on the largest. Confirm your figure on *334#.

What Fuliza is

Fuliza is Safaricom's M-Pesa overdraft, provided with NCBA and KCB as the lenders. It lets you complete an M-Pesa payment when your balance is short, and it is repaid automatically the next time money comes into your M-Pesa. You opt in on *334#, and your limit is set by your M-Pesa history.

The exact daily maintenance fee bands

The daily maintenance fee is a flat amount set by your outstanding balance, not a percentage. These are the current bands, shown before and after the 20% excise duty:

Outstanding balance	Base daily fee	With excise
KES 1 to 100	KES 0	KES 0
KES 101 to 500	KES 2.50	KES 3.00
KES 501 to 1,000	KES 5.00	KES 6.00
KES 1,001 to 1,500	KES 18.00	KES 21.60
KES 1,501 to 2,500	KES 20.00	KES 24.00
KES 2,501 to 70,000	KES 25.00	KES 30.00

On top of the daily fee, a one-off access fee of 1% applies each time you use the overdraft. The daily fee starts from the next day and stays the same for every day the balance remains in that band.

The three-day waiver on small amounts

For a balance of KES 1,000 or less, the daily maintenance fee is waived for the first three days, so a small overdraft cleared quickly costs only the 1% access fee. That makes Fuliza very cheap for short, small needs, and the fee only starts to bite on larger amounts or when a balance is left unpaid.

Why it is charged daily, not monthly

Fuliza accrues daily, so you only pay for the days you actually use it. Repaying in two or three days costs a fraction of leaving the same balance for a month. The biggest lever you control is clearing the overdraft as soon as money lands in your M-Pesa. If you tend to carry a balance for weeks, a different product may suit you better, which we cover in why Fuliza can become one of the most expensive ways to borrow.

How to keep Fuliza cheap

• Keep amounts to KES 1,000 or less and repay within three days to use it for free.
• Repay the moment money reaches your M-Pesa; the daily fee stops the day the balance clears.
• Make partial repayments to bring the outstanding balance, and the daily fee, into a lower band.
• Check your balance and limit on *334# so a small overdraft does not quietly sit unpaid.

Frequently asked questions

How much does Fuliza charge per day?

A flat daily maintenance fee set by your outstanding balance, from KES 0 on the smallest balances up to about KES 30 a day (with excise) on balances above KES 2,500. Amounts of KES 1,000 or less repaid within three days carry no daily fee. Dial *334# for your exact figure.

Is there a charge to Fuliza a small amount?

You pay the one-off 1% access fee, but the daily maintenance fee is waived on amounts up to KES 1,000 repaid within three days.

What is the highest Fuliza daily charge?

About KES 30 a day after excise, on outstanding balances between KES 2,501 and KES 70,000.

Does Fuliza charge interest?

Not a daily percentage. The cost is the one-off 1% access fee plus the flat daily maintenance fee, with excise on the daily fee. Repaying quickly keeps it cheap.