Rates last checked 4 November 2026. Source: Safaricom Fuliza terms. Your actual charges depend on provider timing and account terms.
Automatic deductions draining your account?
Fuliza fees are deducted automatically whenever you receive funds. Shmoney helps you track all your incoming and outgoing MPESA transactions so you always know where your balance went.
How Fuliza Charges Work
Fuliza is an overdraft facility that allows you to complete M-PESA transactions when you have insufficient funds. The cost of using Fuliza is broken down into two main components:
- 1% Access Fee: A one-off fee charged immediately on the amount you borrow.
- Daily Maintenance Fee: A daily fee charged every day at midnight (00:00 hrs) that you carry an outstanding balance.
Excise Duty & Taxes
The daily maintenance fee is subject to a 20% Excise Duty. Our calculator automatically applies this tax to give you a realistic estimate of the total amount that will be deducted.
The 3-Day Waiver Rule
For Fuliza balances of KSh 1,000 and below, Safaricom offers a 3-day grace period on the daily maintenance fee. If you repay the amount within the first 3 days, you will only pay the 1% access fee. After the 3 days, daily fees begin accruing.