I recently ran out of Mpesa balance but still needed to send money to someone urgently. That’s when I realized you can actually use Fuliza to send money to another number.
If you’re wondering how to do it, here’s a simple guide that explains the process clearly.
Quick Answer
To Fuliza to another number, go to Mpesa, select Send Money, enter the recipient number and amount, accept the Fuliza prompt, and confirm the transaction.
What Is Fuliza on Mpesa?
Fuliza is an Mpesa overdraft service that allows you to:
- Complete transactions with insufficient balance
- Pay bills or buy goods
- Send money to another Mpesa user
Step-by-Step: How to Fuliza to Another Number
Step 1: Open Mpesa Menu
Go to Mpesa via SIM toolkit or Safaricom app.
Step 2: Select Send Money
Choose the “Send Money” option.
Step 3: Enter Recipient Number
Input the Safaricom number you want to send money to.
Step 4: Enter Amount
Enter the amount you want to send.
Step 5: Fuliza Prompt Appears
You will see a message showing:
- Insufficient balance
- Fuliza option with charges
Step 6: Accept Fuliza
Select Yes to proceed.
Step 7: Enter PIN and Confirm
Input your Mpesa PIN and complete the transaction.
Step 8: Receive Confirmation
You will receive an SMS showing:
- Transaction details
- Fuliza balance
- Repayment details
Important Notes About Fuliza
- You must have an active Safaricom line
- Fuliza limit depends on your usage and credit history
- Charges include:
- Access fee
- Daily maintenance fee
Extra Tips and Best Practices
- Only use Fuliza for urgent needs
- Repay early to avoid daily charges
- Check your Fuliza limit before sending
- Monitor your outstanding balance
- Use trusted recipients
Common Mistakes to Avoid
- Sending money without checking Fuliza limit
- Ignoring daily charges
- Sending to wrong number
- Overusing Fuliza
- Forgetting to repay
FAQ
Can I withdraw Fuliza cash directly?
No, Fuliza cannot be withdrawn directly.
How do I access Fuliza?
Dial *234# or use the Mpesa menu/app.
How is Fuliza repaid?
It is automatically deducted from incoming Mpesa funds.
Conclusion
Using Fuliza to send money to another number is a quick solution when you have insufficient funds. Just follow the steps, confirm the charges, and repay on time to avoid extra fees.
