Fuliza can be helpful when you’re low on cash, but it can also be a headache. Maybe you’re tired of Safaricom taking your money the second someone sends it. Or maybe you’re trying to get your finances in order and Fuliza just keeps messing things up.

Whatever the reason, if you’re ready to, here’s how to opt out of fuliza, step-by-step. No jargon, no drama—just clear instructions.

What Is Fuliza?

Fuliza is a mobile overdraft service by Safaricom through M-Pesa. It allows you to complete a transaction even when your M-Pesa balance is insufficient. The amount is deducted automatically the next time money hits your wallet.

The problem? It deducts the moment you receive any cash—no warning, no delay.

Why People Want to Opt Out

  • Unexpected automatic deductions
  • You want to save or budget better
  • You’re done with daily access fees
  • You’re using alternatives like M-Shwari or Tala

How to Opt Out of Fuliza

Option 1: Via M-Pesa Menu

  1. Go to your SIM Toolkit
  2. Tap Safaricom > M-PESA
  3. Scroll to Loans and Savings
  4. Select Fuliza
  5. Tap Opt Out
  6. Enter your M-PESA PIN

✅ Click here for Safaricom’s official Fuliza info page.

Option 2: Via USSD Code

  1. Dial *334#
  2. Choose Fuliza M-PESA
  3. Select Opt Out
  4. Enter your PIN to confirm

Note: You must clear any outstanding Fuliza balance before you can successfully opt out.

What Happens After You Opt Out?

  • No more overdrafts
  • No auto-deductions from received M-Pesa funds
  • You’ll need to top up your balance fully to transact
  • You can reactivate Fuliza anytime

How to Check Fuliza Status

Dial *334# > Fuliza > Check Status

If it says you’re still active, make sure your Fuliza balance is fully cleared. Even a small amount like KSh 2 will block deactivation.

Alternatives to Fuliza

If you’re looking for emergency loan options that are more flexible and less intrusive, here are some of the top apps used by Kenyans:

  • M-Shwari – Save and borrow directly in M-Pesa
  • Tala – Fast mobile loans with app-based control
  • Branch – Personal loan app with flexible terms
  • Zenka – Offers interest-free loans for first-time users

Final Thoughts

Fuliza works for some people. But if it’s causing you stress or eating into your savings, it might be time to ditch it. Kenyan professionals already have enough to juggle—losing control of your M-Pesa balance shouldn’t be one of them.

Take back control. If you don’t need it anymore, opt out of Fuliza and use better options.

Need more financial tips or mobile money guides? Explore Safaricom’s official M-Pesa page or follow @SafaricomPLC on Twitter.

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How-To GuidesMobile BankingMobile Money

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