If you often rely on Fuliza and find that your limit is too low, you might be wondering how to increase your Fuliza limit. The good news is that Safaricom’s Fuliza M-PESA system allows users to grow their limit over time but only if you use it smartly and maintain a good financial record.
This guide explains everything you need to know about increasing your Fuliza limit, including the factors that affect it, common mistakes to avoid, and insider tips to help you grow your overdraft quickly and responsibly.
What Is Fuliza?
Fuliza is an M-PESA overdraft service offered by Safaricom, in partnership with NCBA Bank and KCB Bank. It allows M-PESA users to complete transactions even when their balance is insufficient.
For instance, if you want to send Ksh 500 and only have Ksh 300, Fuliza automatically tops up the remaining Ksh 200, which you repay later with a small daily fee.
How the Fuliza Limit Works
Your Fuliza limit is the maximum amount Safaricom allows you to borrow through the overdraft service. This limit is not the same for everyone.
It’s determined by several factors such as your M-PESA usage, transaction frequency, and repayment behavior.
When you first opt in, you might get a small limit (for example, Ksh 100–500), but over time, you can increase it to several thousand shillings with consistent and responsible usage.
Factors That Determine Your Fuliza Limit
Before you can increase your Fuliza limit, it’s important to understand what affects it. Safaricom’s algorithm evaluates your activity based on:
1. M-PESA Transaction History
Your overall M-PESA usage is one of the strongest signals.
The more you use M-PESA for sending, receiving, paying bills, and buying goods, the higher your trust score becomes.
2. Repayment Discipline
Always repay your Fuliza balance on time. Late repayment lowers your credit rating and can lead to limit reduction or suspension.
3. Consistent Account Activity
Inactive M-PESA accounts or those with low monthly activity are less likely to get higher limits.
4. CRB and Credit Score
Safaricom partners with banks; therefore, your credit standing with the Credit Reference Bureau (CRB) may influence your limit adjustments.
5. Linked Bank Services
Using other Safaricom or NCBA/KCB products like M-Shwari or KCB M-PESA — can signal financial reliability, increasing your chances of a higher Fuliza limit.
Step-by-Step: How to Increase Your Fuliza Limit
Here’s exactly what you should do to grow your Fuliza limit fast:
1. Use Fuliza Regularly and Repay Promptly
The more you use Fuliza — and repay quickly — the more Safaricom trusts you.
For best results:
- Repay within 2–3 days instead of waiting for the 30-day window.
- Avoid having an outstanding balance for long.
2. Increase Your M-PESA Transactions
Use M-PESA frequently for:
- Sending and receiving money
- Paying bills (electricity, water, DSTV, etc.)
- Buying goods and services via Lipa na M-PESA
Frequent, active use of M-PESA boosts your creditworthiness and signals a need for a higher Fuliza limit.
3. Maintain a Healthy M-PESA Balance
Keeping a regular flow of money in your account helps Safaricom assess your cash flow positively.
4. Clear Other M-PESA Loans
If you use M-Shwari, KCB M-PESA, or other mobile loans, make sure they’re paid on time.
Failure to repay other mobile loans can prevent your Fuliza limit from increasing.
5. Opt-Out and Re-Activate Fuliza (Optional)
Sometimes, users have reported success by opting out of Fuliza and then reactivating it after a few days.
To do this:
- Dial *234#
- Select Fuliza M-PESA
- Choose Opt-Out
- After 24–48 hours, repeat the steps to Opt-In again
When you rejoin, Safaricom may recalculate your limit based on your recent activity.
6. Avoid Defaulting or Overusing Fuliza
Although Fuliza is convenient, relying on it too much without regular repayments can signal financial instability.
Use it strategically — not as your main source of cash.
How to Check Your Fuliza Limit
You can easily check your current limit by:
- Dialing *234#
- Selecting Fuliza M-PESA
- Choosing Check Fuliza Limit
Alternatively, you can find it in your M-PESA app under the Fuliza section.
Why Your Fuliza Limit Might Not Be Increasing
If your limit has stayed the same for months, here are possible reasons:
- You’re not using Fuliza frequently enough
- You delay repayments
- You have other unpaid mobile loans
- Your M-PESA activity is low
- You’ve been listed negatively on CRB
Make sure to address these issues before expecting an increase.
How Often Is the Fuliza Limit Reviewed?
Safaricom reviews Fuliza limits periodically, often every 30 days. If you follow the recommended practices for a month or two, you’re likely to see an increase during the next review cycle.
Expert Tips to Grow Your Fuliza Limit Faster
Here are proven tips shared by experienced users and financial experts:
- Repay early: Clearing Fuliza debt within a day or two shows reliability.
- Transact more: The higher your monthly M-PESA volume, the better your limit growth potential.
- Avoid multiple defaults: Even one unpaid Fuliza or loan can freeze your limit for months.
- Use Safaricom services: Subscribing to Safaricom products like M-Shwari, KCB M-PESA, and data bundles signals you’re an active customer.
- Be patient: Limit increases don’t happen overnight. Maintain good habits consistently.
Can You Request a Manual Increase?
Currently, there’s no manual method to request a Fuliza limit increase. Safaricom’s system adjusts your limit automatically based on usage and repayment patterns.
If you meet all requirements but still don’t see a change, continue using your account actively sometimes it takes several review cycles.
Final Thoughts
Knowing how to increase your Fuliza limit can make your financial life smoother, especially during emergencies. The secret lies in responsible usage, prompt repayment, and consistent M-PESA activity.
By building trust with Safaricom’s credit system, your limit will naturally grow giving you access to higher overdrafts when you need them most.
Stay consistent, repay on time, and watch your Fuliza limit rise gradually.
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Vincent Nyagaka is the founder of Chweya, where he breaks down complex financial topics into simple insights. A trader since 2015, he uses his market experience to help readers better understand investing, trading, and personal finance.
