Fuliza has become one of the most useful services for Mpesa customers in Kenya. It allows you to complete your Mpesa transactions even when your balance is not enough.
Many people use it to pay bills, buy goods, send money, or top up airtime. Until recently, withdrawing Fuliza directly from an M-Pesa agent was not possible. You had to send money to another person and ask them to withdraw it for you.
Now, Safaricom has made the process simple. You can withdraw directly from an M-Pesa agent the same way you do a normal transaction.
This guide explains in detail how to withdraw Fuliza from an M-Pesa agent and what you need to know before using the service.
How To Withdraw Fuliza From An Mpesa Agent
Withdrawing Fuliza from an Mpesa agent is easy if you follow the right steps. Before you start, make sure you are registered for Fuliza on your Mpesa line. Once you are ready, the withdrawal process is done through your phone’s SIM Tool Kit, USSD code, or the Mpesa App.
Here is the full step-by-step process:
- Go to the SIM Tool Kit or STK menu on your phone.
- You can also dial *334# if you do not want to use the STK menu.
- Select the Mpesa option.
- Choose the “Withdraw Cash from Agent” option.
- Enter the Agent number.
- Enter the Store number.
- Type the amount you wish to withdraw.
- Enter your Mpesa PIN.
- Confirm the withdrawal details.
- If everything is correct, accept the transaction and Fuliza will cover the amount.
Once the transaction is approved, the agent will give you the cash. You will also receive an Mpesa confirmation message.
Requirements To Withdraw Fuliza From An Mpesa Agent
To enjoy this service, you need to meet some basic requirements. First, you must be registered on Mpesa with an active Safaricom line. Second, you should have opted into Fuliza to access the overdraft facility. Remember, Fuliza is not given automatically; you must accept the terms and conditions when joining.
In addition, your Fuliza limit will determine how much you can withdraw. If your limit is Ksh 2,000, you cannot withdraw more than that amount at once. Always check your available Fuliza balance before starting a withdrawal.
Charges When You Withdraw Fuliza From An Mpesa Agent
Fuliza comes with its own charges. Safaricom applies a one-off 1% access fee every time you use the service. A daily maintenance fee is then applied starting the next day at midnight. There is also a 20% excise duty charged on the access fee.
This means that if you withdraw Fuliza and repay it before midnight of the same day, you only pay the access fee. However, if you delay, the daily maintenance fee will apply until you clear the amount.
It is important to note that Fuliza does not have a fixed repayment date. Safaricom automatically recovers the outstanding balance anytime money is deposited into your Mpesa account. This could be from received transfers, salary payments, or deposits at an agent.
Benefits Of Withdrawing Fuliza From An Mpesa Agent
This new option of withdrawing Fuliza directly from an agent has made life easier for many Mpesa users. Before, people had to rely on sending money to friends or relatives to withdraw it on their behalf. Now, you can walk to any Mpesa agent and get the money instantly.
The main benefits include:
- Convenience – You no longer need a middleman to access your money.
- Speed – Transactions are processed instantly, and you receive cash right away.
- Flexibility – You can use Fuliza for bills, shopping, sending money, or even emergencies when you need cash in hand.
Safaricom continues to improve its services to give customers more options. Withdrawing Fuliza at an Mpesa agent is one of the best updates to the service, making it more flexible than ever.
