Try This Hack To Avoid Fuliza Deductions When Receiving Funds Via M-PESA In 2023


Fuliza which is Safaricom’s revolutionary overdraft facility, was launched in 2019 and since then, it has generated massive revenue for the telco with statistics showing that it has at one point disbursed loans of up-to 6.2billion in a single month.

With overdraft provisions of up to Ksh 70,000 to be repaid within 30 days, the service is accessible via the Ussd code *234#

Moreover, limits (both initial and future) are usually assigned based upon individual transaction behavior whereby the higher the frequency of M-Pesa usage, the higher the overdraft limit albeit after a review period of three months.

Nonetheless, there seems to be a Fuliza Hack to effect the increment instantly.

Due to Fuliza’s massive success in penetrating the credit market, it is not uncommon to hear phrases like ‘Nitumie kwa ile number ingine, hii iko na fuliza’ (send it to me using the other number, this one has Fuliza) when one is about to receive money via M-PESA.

The reason for the above statements is usually due to the fact that Fuliza deductions are effected immediately upon receipt of funds to one’s M-PESA wallet which can at times bring forth inconveniences especially during emergencies.

To avoid such drawbacks, a section of Safaricom subscribers opt to have two registered lines which they can use to receive money in case the other has Fuliza.

However, did you know that one could still receive funds intact even with an active Fuliza overdraft?

This indeed has been made possible ever since the inception of Safaricom’s Pochi la Biashara.

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Pochi la Biashara is a 2-in-1 account service platform from Safaricom that provides small businesses with the option to separate business funds from personal funds using a single mobile number..

For eligibility, one is required to possess a fully functional Safaricom line with M-PESA access.

Therefore, to receive funds without Fuliza deducting the amount, the funds need to be channeled through Pochi la Biashara instead of M-PESA.

To do this, simply tell the sender to:

  • Dial *334#
  • Select option 8: Pochi la Biashara
  • Select option 1: Send to Pochi
  • Enter phone number of recipient
  • Enter Amount
  • Enter M-Pesa PIN
  • Select option 1: To accept transaction

You will therefore receive the funds deposited to your Pochi la Biashara account whereby you can withdraw when you

  • Dial *334#
  • Select option 8: Pochi la Biashara
  • Select option 2: Withdraw Funds
  • Select option 1: From Agent

Categories: M-PESA, Loan Articles


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