How to Unsubscribe from Fuliza in Kenya (2026 Step-by-Step Guide)

Learn how to unsubscribe from Fuliza M-PESA in Kenya in 2026.

Follow this step-by-step guide to opt out, clear your balance, and understand what happens after deactivating Fuliza.

What is Fuliza?

Fuliza is an overdraft facility offered to eligible M-PESA customers in Kenya. It allows users to complete M-PESA transactions even when they do not have enough money in their M-PESA account.

While Fuliza can be convenient during emergencies, some users choose to unsubscribe to avoid overdraft charges or improve their financial discipline.

Can You Unsubscribe from Fuliza?

Yes. Safaricom allows eligible customers to opt out of Fuliza.

However, you must first clear any outstanding Fuliza balance before you can deactivate the service.

If your Fuliza balance is not zero, the opt-out option may not be available.

Requirements Before Unsubscribing from Fuliza

Before you begin, ensure that:

• You have repaid your Fuliza balance.
• There are no pending Fuliza charges.
• Your M-PESA account is active.
• Your Safaricom line is registered.

How to Unsubscribe from Fuliza Using USSD

Follow these simple steps:

Step 1: Dial *334#

Open your phone dialer and dial *334#.

Step 2: Select Loans and Savings

Choose the Loans and Savings option from the menu.

Step 3: Select Fuliza M-PESA

Navigate to Fuliza M-PESA.

Step 4: Choose Opt Out

Select the Opt Out option.

Step 5: Confirm Your Request

Confirm that you want to deactivate Fuliza.

Step 6: Wait for Confirmation

You will receive an SMS confirming that your Fuliza account has been successfully deactivated.

How to Unsubscribe from Fuliza Using the M-PESA App

If you use the M-PESA App:

1. Open the app.
2. Log in.
3. Tap Fuliza M-PESA.
4. Select Opt Out.
5. Confirm your request.
6. Wait for the confirmation SMS.

What Happens After You Unsubscribe?

Once your request is successful:

• Your Fuliza overdraft will be disabled.
• Future M-PESA transactions will only use your available balance.
• You will not incur new Fuliza daily maintenance fees.
• You can still reactivate Fuliza later if eligible.

Can You Reactivate Fuliza?

Yes.

If you change your mind, simply activate Fuliza again through the M-PESA menu or app.

Your new limit will depend on factors such as:

• M-PESA usage
• Savings history
• Loan repayment history
• Eligibility criteria

Why Some People Choose to Opt Out

Many Kenyans unsubscribe from Fuliza because they want to:

• Avoid overdraft charges
• Improve budgeting
• Reduce debt
• Prevent impulse spending
• Manage personal finances better

Common Reasons Why You Can’t Unsubscribe

You may be unable to opt out if:

• You still owe Fuliza money.
• Your account has pending transactions.
• There is a temporary system outage.
• Your account is under review.

If the problem persists, contact Safaricom Customer Care.