Fuliza charges calculator
Fuliza takes a 1% access fee when you use it, then a daily fee for as long as you owe, and 20% excise duty on every fee. Ksh 1,000 owed for 7 days costs Ksh 36. Ksh 5,000 owed for 30 days costs Ksh 960.
Rules as of October 2026. Updated .
Work out what it costs
Fuliza costs youKsh 36on Ksh 1,000 for 7 days
| Fuliza used | Ksh 1,000 |
|---|---|
| Access fee, with exciseCharged once, the moment you dip into Fuliza. | Ksh 12 |
| Daily fees for 7 daysThe first 3 days are free at this amount, then Ksh 6 a day with excise. | Ksh 24 |
| You pay backYour next M-Pesa money pays it off, fees first. | Ksh 1,036 |
| As a yearly rateThis cost stretched over a full year, so you can set it against a bank or sacco loan. | 188% |
The excise duty is the law (Excise Duty Act). The fee bands are the published tariff, checked October 2026.
A Ksh 36 fee here, another there: that is how a Nairobi month slips. In GrindLife the overdraft works the same way. Try a month on a real payslip.
Play free GrindLife is a free life game on real Nairobi streets. Its overdraft is GrindPesa Overdraft, with these same fees. GrindLife has no link to Fuliza or M-Pesa.Fuliza daily charges
Charged for every day you owe, from the day after you use it, by how much you owe. Excise duty of 20% goes on top.
| Owed (Ksh) | Daily fee | With excise | Free days |
|---|---|---|---|
| 0 to 100 | 0 | 0 | 0 |
| 101 to 500 | 2.5 | 3 | 3 |
| 501 to 1,000 | 5 | 6 | 3 |
| 1,001 to 1,500 | 18 | 21.6 | 0 |
| 1,501 to 2,500 | 20 | 24 | 0 |
| 2,501 to 70,000 | 25 | 30 | 0 |
What Fuliza costs, by amount and days
Access fee plus daily fees, all with excise, in Ksh.
| Owed (Ksh) | 1 day | 3 days | 7 days | 14 days | 30 days |
|---|---|---|---|---|---|
| 500 | 6 | 6 | 18 | 39 | 87 |
| 1,000 | 12 | 12 | 36 | 78 | 174 |
| 1,500 | 40 | 83 | 169 | 320 | 666 |
| 2,500 | 54 | 102 | 198 | 366 | 750 |
| 5,000 | 90 | 150 | 270 | 480 | 960 |
| 10,000 | 150 | 210 | 330 | 540 | 1,020 |
| 20,000 | 270 | 330 | 450 | 660 | 1,140 |
| 50,000 | 630 | 690 | 810 | 1,020 | 1,500 |
How the cost adds up
- Access fee: 1% of what you use, once, plus excise.
- Daily fee: from Ksh 100 down it is free. From Ksh 101 to Ksh 1,000 the first 3 days are free. The top band pays Ksh 30 a day with excise.
- Repayment: any money into your M-Pesa pays Fuliza first, fees before the amount.
- A short loan looks cheap in shillings and expensive as a rate. Ksh 1,000 for a day costs Ksh 12. Kept at that pace for a year it would be 438%.
If you cannot pay
After 30 days unpaid the service stops. A lender must give you 30 days' written notice before listing you with the credit bureaus, and cannot list a debt under Ksh 1,000. A listing stays 5 years, and banks and saccos see it.
Questions people ask
How much is Fuliza charges for Ksh 1,000?
Owed for one day, Ksh 12. For a week, Ksh 36. For 30 days, Ksh 174. That is the access fee plus the daily fees, with excise.
What is the Fuliza daily charge?
It depends on how much you owe. On Ksh 1,000 it is Ksh 6 a day with excise; on Ksh 5,000 it is Ksh 30. The first days are free on small amounts.
Is Fuliza free for the first 3 days?
On small amounts, yes. From Ksh 101 to Ksh 1,000 owed, the daily fee starts after 3 days. You still pay the access fee. Above Ksh 1,000 the daily fee starts the next day.
How much does Fuliza cost for Ksh 5,000 for a month?
Ksh 960, so you pay back Ksh 5,960.
What is the Fuliza interest rate?
There is no interest rate as such, only fees. As a yearly rate, Ksh 1,000 owed for a week costs about 188%.
What happens if I do not repay Fuliza?
After 30 days the service stops, and after written notice you can be listed with the credit bureaus for 5 years.
Sources
- Market research, 2026: the published phone overdraft tariff (access fee and daily fee bands), checked 17 October 2026.
- Excise Duty Act 2015 (Kenya Law): 20% excise on fees charged by financial institutions
- CBK, Banking (Credit Reference Bureau) Regulations 2020
- CBK, mobile payments statistics