# Fuliza
https://subger.com/en/service/fuliza
Category: Banking & Payments · Pricing verified: 2026-03-16

## Fuliza

Fuliza operates in the banking and payments category.

2024-2026: 2024-2026 Fuliza has continued as Kenya's dominant M-Pesa overdraft product, with disbursements crossing KES 1 trillion cumulatively since launch.

Features:
- Overdraft on M-Pesa wallet when balance insufficient for a transaction
- Per-customer limit assigned automatically by Safaricom + KCB + NCBA scoring
- Daily access fee + tiered transaction charges based on outstanding balance
- Automatic repayment from incoming M-Pesa receipts
- Used for Lipa na M-Pesa, Pay Bill, Send Money, and Buy Goods transactions

Links:
- Overview: https://subger.com/en/service/fuliza

— Machine-readable summary for AI search engines. Full page: https://subger.com/en/service/fuliza