Safaricom explains why your Fuliza debt keeps going up every day

Safaricom PLC has clarified why a Fuliza balance may continue to rise even when a customer has not borrowed any additional funds. On September 24, 2026, the company informed an M-PESA customer on X that a daily maintenance fee is charged on the outstanding Fuliza amount. In a tweet, Safaricom wrote, "Hi, Dennis. Fuliza daily Maintenance fee is charged on the outstanding amount. Please check to confirm through this link."

Safaricom's website defines Fuliza as a continuous overdraft service that enables M-PESA customers to finalize their M-PESA transactions even when they lack sufficient funds in their M-PESA account. Customers must agree to utilize Fuliza and are granted a limit indicating the maximum overdraft they can obtain. The company charges a one-time 1% access fee, while the daily maintenance fee is assessed the following day at midnight.

According to Safaricom.co.ke, customers are also subject to a 20% Excise Duty on the daily maintenance fee. The company's published Fuliza tariff outlines charges based on the outstanding balance: Ksh3 for balances between Ksh101 and Ksh500, Ksh6 for amounts between Ksh501 and Ksh1,000, Ksh21.60 for balances between Ksh1,001 and Ksh1,500, Ksh24 for amounts between Ksh1,501 and Ksh2,500, and Ksh30 for outstanding amounts between Ksh2,501 and Ksh70,000.

The explanation came after a complaint from Dennis, who shared an M-PESA message revealing an outstanding amount of Ksh7,923.66 and questioned the daily fee of Ksh50. Safaricom directed Dennis to the company's Fuliza information page for the relevant charges and terms.