4 Unusual Ways To Withdraw Fuliza From MPesa Agent
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To be able to withdraw fuliza from MPesa agent, you must first realize how fuliza has shaped the lives of the majority of Kenyans if the statistics being floated around are anything to go by.
According to NCBA Group, the fuliza service realized an increase of about 16.8 million customers in the year ended December 2022.
By functionality, fuliza was initially launched in 2019 by Safaricom as a service offering overdraft capabilities to MPesa users to complete transactions regardless of insufficient funds in MPesa money wallet.
This is possible whenever transactions are done via the MPesa merchant options which include Lipa Na MPesa and Buy Goods
Eligibility into the fuliza service requires prior subscription to the MPesa platform as well as engagement in frequent transaction activities within the platform while entry into the service involves dialing *234# and selecting the ‘Opt In’ option.
Upon opting in, you are then assigned a fuliza limit corresponding to your financial behaviour in terms of MPesa usage, Safaricom products usage frequency and overall crb rating.
Depending on your limit, you are then able to restrict your financial needs within your credit limit unless you choose to increase it by implementing the fuliza limit increase hack which may either lead to an increase or decrease of your initial limit.
However in instances involving the latter, you can simply use the technique outlined in one of our previous articles to restore your fuliza limit
Through the years, fuliza has transformed from not only completing transactions but also serves additional purposes such as direct airtime purchases as well as direct withdrawal of funds from MPesa agents, services which had long been overdue.
Initially, Safaricom had placed restrictions towards direct fuliza withdrawals in a bid to promote financial responsibility in order to prevent misuse of the overdraft facility through senseless withdrawals.
However in January 2023, the limitations were lifted thus enabling users to withdraw fuliza funds directly from MPesa agents.
How To Check Fuliza Limit/Balance
Before you opt to withdraw fuliza from MPesa agent, you should first ensure that you have sufficient funds to enable this transaction since you will still be charged standard withdrawal costs, which will be subtracted from your available overdraft limit.
To check your fuliza limit or balance, you can either use any of the available fuliza code options e.g *234#, *334#, *100#, *456# , MySafaricom app (Playstore/Appstore) or MPesa app (Playstore/Appstore)
How To Withdraw Fuliza From MPesa Agent
Withdraw fuliza from MPesa agent requires prior confirmation of your fuliza limit and balance so that you can then proceed to withdraw it at an MPesa agent.
The most common method for initiating MPesa withdrawals is through the MPesa menu available via the SIMtoolkit and the same procedure applies to fuliza withdrawals as highlighted below.
1. Withdraw Fuliza From MPesa Agent Using STK Menu
a) Go to your phone’s SIM toolkit and select the MPesa menu
b) Tap on the ‘Withdraw Cash’ option
c) Choose the ‘From Agent’ option
d) Enter the Agent number & Store number
e) Input the amount to be withdrawn
f) Enter your MPesa PIN
g) Accept the fuliza transaction request to finalize the transaction
Besides fuliza withdrawals made via the STK menu, there are other alternative platforms with which you can use to also withdraw fuliza from MPesa agent and they include;
2. Withdraw Fuliza From MPesa Agent Using Fuliza Code *334#
Besides other MPesa related services, the code *334# can also be used to transact direct fuliza withdrawals using the below procedure;
a) Dial *334#
b) Select option 2: ‘Withdraw cash’
c) Select option 1: ‘From Agent’
d) Input the Agent and Store numbers
e) Enter the amount you want to withdraw.
f) Type in your MPesa PIN.
g) To complete the transaction, accept the fuliza transaction request.
3. Withdraw Fuliza From MPesa Agent Using Fuliza Code *100#
Fuliza withdrawals are also achievable with the *100# ussd code, just like with code *334#. For this, just;
a) Dial *100#
b) Select option 1: ‘MPesa/Reversals’
c) Select option 10: ‘MPesa services’
d) Select option 2: ‘Withdraw cash’
e) Select option 1: ‘From Agent’
f) Input the Agent and Store numbers
g) Enter the amount you want to withdraw.
h) Type in your MPesa PIN.
i) To complete the transaction, accept the fuliza transaction request.
4. Withdraw Fuliza From MPesa Agent Using MySafaricom App
To withdraw fuliza via this method, you are required to;
a) Launch the app and select the ‘Withdraw Cash’ option
b) Enter the Agent and store numbers
c) Enter your withdrawal amount and tap on the ‘Continue’ button
d) Enter your MPesa PIN
e) Accept the fuliza request to finalize the fuliza withdrawal request
5. Withdraw Fuliza From MPesa Agent Using MPesa App
Another convenient option to make fuliza withdrawals is to use the MPesa app, which is accessible on both the Playstore and the Appstore. To achieve this, just
a) Launch the app and tap on the ‘Withdraw’ option
b) Select ‘Withdraw at agent’ option
c) Enter the Agent and store numbers
d) Enter your withdrawal amount
e) Enter your MPesa PIN
f) Accept the fuliza request to finalize the fuliza withdrawal request