How to Increase Your Fuliza M-PESA Limit in Kenya
Fuliza is a convenient overdraft facility introduced by Safaricom in partnership with NCBA Bank. It enables M-PESA users to complete transactions even when their wallet balance is insufficient—by advancing credit within a set overdraft limit.
If you’ve ever tried to buy airtime or pay a bill and found yourself short of funds, Fuliza steps in to cover the difference. Over time, users can grow their Fuliza limits to access more credit, with the maximum currently capped at Ksh. 70,000.
In this expert guide, you’ll learn how Fuliza works, what influences your loan limit, and the most effective steps to increase your Fuliza limit through both USSD and the MySafaricom App.
Understanding the Fuliza Limit
Your Fuliza limit is not static. Safaricom calculates it based on several factors, including:
- Your M-PESA activity (frequent deposits and withdrawals)
- Usage of Safaricom services (calls, data, SMS)
- Repayment history of existing Fuliza overdrafts
- Overall credit profile
New users often start with a modest limit or none at all. However, with regular use and timely repayments, this limit can grow significantly.
Step-by-Step: How to Increase Your Fuliza Limit
*Method 1: Using USSD Code 234#
This manual process allows you to refresh your Fuliza subscription, potentially triggering a new limit review.
- Ensure you don’t have an active Fuliza balance (clear any outstanding amounts).
- Dial
*234#from your M-PESA registered number. - Select “Fuliza M-PESA” from the menu.
- Choose “Opt-Out” to temporarily deactivate the service.
- After successful opt-out, dial
*234#again. - Select “Fuliza M-PESA” and then “Opt-In” to reactivate the service.
This reset prompts the system to reassess your usage and assign a potentially higher limit based on your account behavior.
Caution: If your M-PESA usage or credit history is low, this method may reduce your limit or reset it to zero. Only use it when confident your profile has improved since your last activation.
Method 2: Increase Fuliza Limit via the MySafaricom App
If you have a smartphone, the MySafaricom App offers a convenient way to manage Fuliza.
- Open the MySafaricom App and navigate to the M-PESA menu.
- Tap on “Fuliza M-PESA.”
- Select the “OPT-OUT” option.
- Wait for the confirmation, then return to the Fuliza M-PESA section.
- Tap “OPT-IN” to re-enable Fuliza services.
- Your new Fuliza limit will be displayed after reactivation.
This method is user-friendly and often effective when combined with good repayment habits and consistent M-PESA activity.
Tips to Maintain and Grow Your Fuliza Limit Over Time
Raising your limit isn’t just a one-time action—it’s tied to your behavior on the M-PESA platform. To continuously qualify for a higher overdraft:
- Use M-PESA regularly: Send money, pay bills, buy goods, and top up airtime frequently.
- Repay Fuliza promptly: Settle your overdrafts as soon as you top up your wallet.
- Avoid extended outstanding balances: Delays in repayment affect your creditworthiness.
- Use Safaricom services consistently: Call, SMS, and use mobile data regularly to build usage history.
Additional Fuliza Support
If you believe your limit does not reflect your financial activity or have technical concerns, you can:
- Contact Safaricom Customer Care by calling 100 (for prepaid) or 200 (for postpaid).
- Visit a Safaricom Shop or authorized agent.
- Use the in-app support or Live Chat feature via MySafaricom App.
Final Thoughts
Increasing your Fuliza limit is possible with strategic use of M-PESA and Fuliza services, timely repayments, and consistent financial behavior. Whether you’re targeting a modest boost or aiming for the maximum limit of Ksh. 70,000, following the methods above will help you improve your eligibility.
Stay financially disciplined, and Safaricom’s Fuliza will continue to be a helpful financial cushion in moments of shortfall.
