NCBA Bank Kenya PLC
Fuliza M-PESA
App loan
An overdraft on your M-PESA. When you do not have enough to finish a payment, Fuliza covers the rest. You pay it back from the next money you get.
Hear when this changes
The details that matter for this kind of plan
- What it is
- An overdraft, not a loan
- When you repay
- From the next money you receive
- Who lends it
- NCBA Bank, through M-PESA
What does it cost you?
| Admin chargewhat you still owe | KES 30 |
|---|---|
| Fee for arranging the loanthe amount you use | 1% |
What if you stop paying?
The daily fee keeps running while you owe. NCBA can report the debt to a credit bureau.
What if you need the money early?
Paying it back sooner costs less. The fee is charged for each day you still owe.
Who this suits
It could work for you if
You are short by a small amount for a day or two and money is coming in soon.
Think twice if
You need to borrow for weeks. A fee every day adds up fast on money you hold for long.
What they tell you
- Are all their charges published?Yes, every charge they mention has a figure against it.
Talk to them
- Website: ncbagroup.com
Compared with the others
There are 3 other plans of this kind on the board. See all 4 side by side — what each one leaves you with, and which of them will not say.
What has changed here
- 28 August 2026
- The amount borrowed in the example is now KES 5,000, and was not published before
We started keeping this record in August 2026. Anything that changed before then is not here. The whole board's record.
Where we got this
- Safaricom: Fuliza — charges, the daily maintenance fee table and limitsthe company itselfRead on 2026-08-28