Fuliza charges a one-time 1% access fee plus a daily maintenance fee that scales with your outstanding balance. Calculate the total cost for any amount over any number of days.
Fuliza M-PESA overdraft charges are not a single flat rate — they combine a one-time access fee with a daily maintenance fee that depends on how much you owe, and balances of KES 1,000 or less get their first three days free.
The One-Time Access Fee
Every time you use Fuliza, a one-time access fee of 1% of the borrowed amount is charged immediately, regardless of how quickly you repay.
Daily Maintenance Fees
On top of the access fee, a daily maintenance fee applies for every day the balance remains outstanding, and it steps up in bands as your balance grows — a KES 400 balance costs less per day than a KES 2,000 one. If your balance is KES 1,000 or less, the first three days are free of maintenance fees entirely.
How much does Fuliza charge per day?
Fuliza's daily maintenance fee depends on your outstanding balance and rises in bands — for example, KES 3/day for balances up to KES 500, and KES 30/day for balances above KES 2,500. A one-time 1% access fee also applies when you first use Fuliza.
Is Fuliza free for the first few days?
Yes, if your outstanding Fuliza balance is KES 1,000 or less, the first three days carry no daily maintenance fee. The one-time 1% access fee still applies.