If you use M-PESA regularly, Fuliza can be useful when your balance is not enough to complete a transaction. But the cost can be easy to underestimate because Fuliza does not charge you through one simple interest rate.
In 2026, Fuliza has two main cost components: a one-time 1% access fee when you use Fuliza, and a daily service charge based on your outstanding Fuliza balance. For balances of KSh 1,000 or less, the daily service charge is waived for the first three days.
Quick answer: How much does Fuliza cost in 2026?
Fuliza charges a 1% access fee when you draw down the overdraft, followed by a daily service charge based on your outstanding balance.
- KSh 0–100: no daily service charge
- KSh 101–500: KSh 2.50 per day after the first 3 days
- KSh 501–1,000: KSh 5 per day after the first 3 days
- KSh 1,001–1,500: KSh 18 per day
- KSh 1,501–2,500: KSh 20 per day
- KSh 2,501–70,000: KSh 25 per day
The published Fuliza key-facts information lists the 1% access fee and these daily service-charge bands. Because tariffs can change, always confirm the current charges through Safaricom's official M-PESA channels before relying on these figures.
Fuliza charges 2026: the full fee structure
Fuliza's cost is easier to understand when you separate the access fee from the daily service charge.
1. The 1% Fuliza access fee
Every time you access Fuliza, a one-time access fee of 1% of the amount accessed applies. This is charged when you draw down Fuliza.
For example:
| Fuliza amount | 1% access fee |
|---|---|
| KSh 500 | KSh 5 |
| KSh 1,000 | KSh 10 |
| KSh 2,000 | KSh 20 |
| KSh 5,000 | KSh 50 |
| KSh 10,000 | KSh 100 |
The access fee is only one part of the cost. If you keep the Fuliza balance outstanding, the daily service charge is what causes the cost to accumulate.
2. Fuliza daily service charges
The daily service charge depends on your outstanding Fuliza balance. The current published tariff structure is:
| Outstanding Fuliza balance | Daily service charge | First 3 days |
|---|---|---|
| KSh 0–100 | Free | Free |
| KSh 101–500 | KSh 2.50/day | Free |
| KSh 501–1,000 | KSh 5/day | Free |
| KSh 1,001–1,500 | KSh 18/day | Applies |
| KSh 1,501–2,500 | KSh 20/day | Applies |
| KSh 2,501–70,000 | KSh 25/day | Applies |
Important: the KSh 2.50 and KSh 5 daily charges are waived for the first three days when the Fuliza amount is KSh 1,000 or less. The 1% access fee still applies.
How much does Fuliza cost per day?
There is no single Fuliza daily fee. The amount depends on your outstanding balance.
For example, if your outstanding Fuliza balance is between KSh 2,501 and KSh 70,000, the published daily service charge is KSh 25 per day. If your balance is between KSh 1,501 and KSh 2,500, the daily charge is KSh 20.
This means that keeping a large Fuliza balance for several days can become significantly more expensive than the initial 1% access fee suggests.
How much does KSh 1,000 Fuliza cost?
Suppose you use KSh 1,000 of Fuliza.
- One-time access fee: KSh 10
- Daily service charge: KSh 5 after the three-day waiver
If you repay the KSh 1,000 within the applicable three-day period, the daily service charge is waived and the 1% access fee remains the main published charge.
If you continue carrying the balance after the waiver period, the KSh 5 daily service charge begins to matter.
How much does KSh 2,000 Fuliza cost?
A KSh 2,000 outstanding balance falls into the KSh 1,501–2,500 band, which has a published daily service charge of KSh 20.
The initial 1% access fee on KSh 2,000 is KSh 20.
| Time outstanding | 1% access fee | Daily charges | Base fees |
|---|---|---|---|
| 1 day | KSh 20 | KSh 20 | KSh 40 |
| 7 days | KSh 20 | KSh 140 | KSh 160 |
| 30 days | KSh 20 | KSh 600 | KSh 620 |
These are illustrative calculations using the published base tariff. Your actual amount can differ depending on the exact timing of the drawdown, repayments, applicable taxes and the current tariff in effect.
How much does KSh 5,000 Fuliza cost?
A KSh 5,000 outstanding balance falls into the highest published daily-fee band, where the daily service charge is KSh 25.
The 1% access fee on KSh 5,000 is KSh 50.
| Time outstanding | Access fee | Daily service charges | Base fees |
|---|---|---|---|
| 1 day | KSh 50 | KSh 25 | KSh 75 |
| 7 days | KSh 50 | KSh 175 | KSh 225 |
| 30 days | KSh 50 | KSh 750 | KSh 800 |
Again, these are illustrative calculations based on the published base fees, not a guarantee of the exact amount that will appear on an individual M-PESA account.
Is Fuliza an interest rate or a daily fee?
Fuliza is not best understood as a conventional loan with a monthly interest rate.
Its published pricing is structured around a 1% access fee and daily service charges based on the outstanding balance.
That's why searching for "Fuliza interest rate" can be confusing. If you're trying to work out how expensive your Fuliza usage is, the more useful numbers are:
- how much you accessed;
- the 1% access fee;
- your outstanding balance;
- the number of days you carried the balance; and
- the daily service charge applicable to your balance band.
How does the three-day Fuliza waiver work?
For Fuliza balances of KSh 1,000 or less, the daily service charge is waived for the first three days. After the three-day period, the applicable daily charge starts to apply.
This means the waiver should not be interpreted as "free Fuliza." The 1% access fee still applies when you access Fuliza.
The practical lesson is simple: small, short-term Fuliza use is considerably cheaper than carrying a balance for an extended period.
Does paying part of your Fuliza reduce the daily charge?
Your daily service charge is linked to your outstanding balance band. That means reducing your outstanding balance can move you into a lower fee band.
For example, moving from an outstanding balance above KSh 2,500 into the KSh 1,501–2,500 band changes the applicable daily charge from KSh 25 to KSh 20 under the published tariff structure.
So if you cannot clear the entire balance immediately, reducing the outstanding amount can still matter.
How to check your Fuliza balance and charges
You can use Safaricom's available M-PESA channels to check your Fuliza information. The Fuliza key-facts document directs customers to the M-PESA/Fuliza menu and identifies *234# as an access route.
Your M-PESA SMS messages can also show individual transactions and charges. The problem is that individual messages don't necessarily give you a useful picture of your total Fuliza cost over an entire month.
Why your Fuliza SMS messages don't tell you the whole story
Imagine you use Fuliza several times during a month.
You may see:
- an access fee here;
- a daily service charge there;
- a partial repayment;
- another Fuliza drawdown; and
- another daily charge.
Each individual SMS may make sense on its own. But the important question is:
How much did Fuliza actually cost me this month?
Answering that manually means searching through your M-PESA messages and adding the relevant transactions yourself.
And if you use M-PESA frequently, that can mean going through hundreds of messages just to understand where your money went.
How Shmoney tracks your Fuliza spending
This is where Shmoney can make the process easier.
Shmoney reads supported M-PESA SMS notifications directly on your phone and automatically categorises your transactions. Your financial SMS data is processed on your device rather than uploaded to a cloud server.
Instead of trying to reconstruct your Fuliza costs from individual messages, Shmoney helps turn those transactions into a clearer picture of your M-PESA activity.
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Shmoney automatically organises your M-PESA activity so you can see your Fuliza transactions and associated fees without manually searching through your SMS messages.
```The screenshot above shows how Shmoney presents Fuliza-related activity inside the app. The idea is simple: instead of looking at isolated M-PESA messages, you can see your financial activity in one place.
- See Fuliza-related transactions
- Track your spending over time
- Understand how much you're actually spending
- See Fuliza alongside your other M-PESA expenses
- Identify spending patterns that are easy to miss when looking at individual SMS messages
How much has Fuliza actually cost you?
```Knowing the Fuliza tariff is useful. Knowing how much you have actually spent on Fuliza is even more useful.
Shmoney helps you organise your M-PESA transactions automatically so you can see your spending instead of trying to piece it together from individual SMS messages.
Download Shmoney ```How to reduce your Fuliza costs
1. Repay as soon as you can
The longer an outstanding balance remains in a fee-bearing band, the more daily service charges can accumulate.
2. Keep small Fuliza balances within the three-day waiver where possible
If your Fuliza balance is KSh 1,000 or less, the daily service charge is waived for the first three days under the published tariff structure.
3. Watch your outstanding balance
Because the daily charge is determined by your outstanding balance band, paying down the balance can move you into a cheaper band.
4. Track your total Fuliza usage
This is arguably the most important step. A few shillings here and there can feel insignificant. Looking at your total Fuliza-related costs over several weeks or months gives you a much better picture of the habit.
Frequently asked questions about Fuliza charges
How much is the Fuliza access fee?
The published Fuliza tariff includes a one-time access fee of 1% of the amount accessed.
How much does Fuliza charge per day?
The daily service charge depends on your outstanding balance. The published rates range from no charge on balances up to KSh 100 to KSh 25 per day for balances between KSh 2,501 and KSh 70,000.
Is Fuliza free for three days?
For balances of KSh 1,000 or less, the daily service charge is waived for the first three days. The 1% access fee still applies.
How much does KSh 1,000 Fuliza cost?
The 1% access fee on KSh 1,000 is KSh 10. The daily service charge is waived for the first three days when the outstanding balance is KSh 1,000 or less, subject to the applicable Fuliza terms.
Does Fuliza charge interest?
Fuliza's published pricing is expressed as a 1% access fee plus daily service charges rather than a conventional monthly interest rate.
How do I check my Fuliza charges?
You can check your Fuliza information through Safaricom's available M-PESA channels, including the Fuliza menu. Individual M-PESA SMS messages can also show transaction-related charges.
Can I reduce my Fuliza daily charge by paying part of the balance?
Because the daily service charge is based on your outstanding balance band, reducing your balance can move you into a lower charging band.
Bottom line: how expensive is Fuliza?
Fuliza can be relatively inexpensive when used for a small amount and repaid quickly. The cost becomes more significant when you repeatedly access Fuliza or carry larger balances for longer periods.
The most important numbers to remember are:
- 1% one-time access fee
- KSh 2.50–KSh 25 daily service charge depending on the balance band
- 3-day daily-fee waiver for balances of KSh 1,000 or less
Tariffs can change, so confirm the current charges through Safaricom's official Fuliza information before making financial decisions.
But knowing the tariff is only half the problem.
The more useful question is:
How much has Fuliza actually cost you over the last month?
If you're using M-PESA regularly, Shmoney can help you answer that question by organising your M-PESA transactions automatically.
Download ShmoneyTrack your M-PESA spending automatically with Shmoney.
