Running out of money doesn’t have to stop your transactions. With Fuliza M-PESA, users of M-PESA can complete transactions even when their balance is low.
Initially, Fuliza only supported payments and transfers. However, you can now withdraw cash directly from an M-PESA agent using Fuliza, making it even more convenient.
Quick Answer
Go to M-PESA → Withdraw Cash → enter agent details → confirm → accept Fuliza prompt → receive cash.
What is Fuliza M-PESA?
Fuliza is an overdraft service that allows you to:
- Complete transactions with insufficient balance
- Borrow automatically during payments
- Repay later when you deposit money
Requirements to Withdraw Fuliza
- Active M-PESA account
- Registered and opted into Fuliza
- Available Fuliza limit
- Nearby M-PESA agent
Step-by-Step: How To Withdraw Fuliza from an Agent
Method 1: Using SIM Toolkit / USSD
- Open M-PESA menu (SIM Toolkit) or dial *334#
- Select Withdraw Cash
- Choose From Agent
- Enter the Agent Number
- Enter the Store Number
- Input the amount you want to withdraw
- Enter your M-PESA PIN
- Confirm the details
👉 If you don’t have enough balance, you will receive a Fuliza prompt
- Accept the Fuliza request
- Complete the transaction and collect your cash
Method 2: Using M-PESA App
- Open the M-PESA App
- Select Withdraw Cash
- Enter agent details and amount
- Confirm with PIN
- Accept Fuliza prompt if needed
Fuliza Charges
- 1% access fee (one-time per transaction)
- Daily maintenance fee (applied after midnight)
- 20% excise duty on access fee
💡 If you repay before midnight, you only pay the access fee
Tips for Using Fuliza
- Always check your Fuliza limit
- Repay early to avoid extra charges
- Confirm agent details before withdrawing
- Use only trusted agents
Conclusion
Withdrawing Fuliza from an M-PESA agent is now simple and convenient. Whether through USSD or the app, you can access emergency cash instantly and repay later, making Fuliza a reliable backup for everyday transactions.
