Fuliza, Safaricom’s continuous overdraft service, allows customers to withdraw funds directly from an Mpesa agent. Below is a simple step-by-step guide to complete the process:
Steps to Withdraw Fuliza from an Mpesa Agent
- Access the Mpesa Menu:
- Open the SIM Toolkit (STK) on your phone.
- Alternatively, dial
*334#
to access the Mpesa menu.
- Select Withdrawal Option:
- From the Mpesa menu, select “Withdraw Cash”.
- Enter Agent Number:
- Input the Mpesa Agent number provided by the agent.
- Enter Store Number:
- Input the store number given by the agent.
- Enter Withdrawal Amount:
- Specify the amount you wish to withdraw. Ensure the amount does not exceed your Fuliza limit.
- Enter Mpesa PIN:
- Input your Mpesa PIN to authorize the transaction.
- Confirm Transaction Details:
- Verify the transaction details, including the amount and agent information.
- Accept Fuliza Request:
- If your Mpesa account balance is insufficient, you will receive a Fuliza request. Accept the request to complete the withdrawal.
Key Points to Remember:
- Fuliza charges include:
- 1% access fee.
- 20% excise duty on the access fee.
- Daily maintenance fee, charged at midnight (if the overdraft is not repaid).
- Ensure your Fuliza limit is sufficient to cover the withdrawal amount and associated charges.
- You can also withdraw using the Mpesa app by following a similar process.
Enjoy the convenience of withdrawing cash directly from an Mpesa agent using Fuliza!
