I recently decided to stop using Fuliza on M-Pesa because I didn’t want to rely on overdrafts anymore. At first, I wasn’t sure how to opt out completely.
If you’re trying to disable Fuliza, here’s a quick and simple guide to help you do it.
Quick Answer
To opt out of Fuliza in Kenya, dial *234#, select Fuliza, choose opt-out, confirm, and you will receive a confirmation SMS.
What Is Fuliza?
Fuliza is an overdraft service by Safaricom that allows you to:
- Complete transactions with insufficient balance
- Pay later with a small fee
👉 It works on:
- Send Money
- Lipa na M-Pesa (Paybill & Buy Goods)
Step-by-Step: How to Opt Out of Fuliza via USSD
*Step 1: Dial 234#
Dial *234# on your phone.
Step 2: Select Fuliza
Choose Fuliza option (usually option 0).
Step 3: Select Opt-Out Option
Choose Option 7 (Opt-Out).
Step 4: Confirm Opt-Out
Confirm that you want to opt out of Fuliza.
Step 5: Receive Confirmation SMS
You will get an SMS confirming successful opt-out.
Step-by-Step: How to Opt Out of Fuliza via M-Pesa App
Step 1: Open M-Pesa App
Launch the M-Pesa app.
Step 2: Go to Transact Section
Tap on Transact.
Step 3: Select Fuliza
Scroll and select Fuliza.
Step 4: Open Settings (Three Dots)
Tap the three dots (top right corner).
Step 5: Select Opt-Out
Choose Opt-Out and confirm.
Important Things to Know Before Opting Out
- Your Fuliza limit may change if you opt in again
- You won’t be able to complete transactions with insufficient funds
- You must clear any outstanding balance first
Extra Tips and Best Practices
- Repay Fuliza balance before opting out
- Use budgeting instead of overdraft
- Monitor your M-Pesa usage
- Avoid frequent borrowing
- Opt back in only when necessary
Common Mistakes to Avoid
- Trying to opt out with an active Fuliza balance
- Selecting wrong menu options
- Not confirming opt-out
- Ignoring confirmation SMS
- Expecting instant reactivation after opting out
FAQ
Can I opt back into Fuliza after opting out?
Yes, you can opt in again anytime.
Do I need to clear my Fuliza loan before opting out?
Yes, you must clear any outstanding balance.
Will opting out affect my limit?
Yes, your limit may change when you opt back in.
Conclusion
Opting out of Fuliza in Kenya is quick and straightforward. Just follow the USSD or app steps, confirm your choice, and manage your finances without overdraft reliance.
