How to Increase Fuliza Limit in Kenya

I love Fuliza, and I have used it for a while, and it has helped me in many situations where I didn’t have enough in my M-Pesa. In this article, I will show you a simple trick to increase the Fuliza limit so you can access a higher overdraft amount.

Fuliza is an NCBA product offered through Safaricom M-Pesa. The service allows M-PESA customers to complete transactions when insufficient funds are in their accounts.

In other words, Fuliza is an overdraft facility for all M-Pesa users that allows users to finish paying for a service or send money even if they don’t have enough.

Let’s dive right into how to increase Fuliza limit step by step:

How to Increase Fuliza Limit

Here is how you can increase the Fuliza limit to a higher amount:

NOTE: This action might reduce your limit to zero.

Step 1: Make sure you have been using the service for a while and be someone who repays the loan on time. Infact Safaricom themselves recommend that you continue using Safaricom and M-PESA services frequently and repay Fuliza M-PESA on time by topping up your M-PESA account.

Step 2: Opt out of Fuliza M-Pesa. If you don’t know, here is how to opt out of Fuliza M-Pesa:

  • Dial *234# on your phone
  • Select the Fuliza option
  • Select Opt-out

If you are using the MySafaricom app, here is how to opt out:

  • Log in to the app
  • Choose M-Pesa
  • Select Fuliza M-Pesa
  • Click on Opt-out

Step 3: Install Fuliza by Dialing *234# or through the MySafaricom app. You should see your new limit if everything goes well.

You might get a new limit, or they will restore M-Pesa, and Safaricom will restore your previous limit.

Also, check M-Pesa Charges.

How to fuliza mpesa loan

Here is how to get started with the Fuliza Mpesa loan:

  1. You should be an M-Pesa user and have an active Safaricom line.
  2. Your Safaricom line must have been in use for the last six months
  3. When you meet the above requirements, go to your phone and dial *234#, and select Fuliza M-Pesa to opt in.
  4. Alternatively, if you have the My Safaricom App, you can use it to get a Fuliza mpesa loan.
  5. M-Pesa will automatically allocate a Fuliza limit, so you can’t use more than this limit.
  6. You must deposit or receive money from your M-Pesa to repay the loan. They will deduct the money automatically once it gets to your account.

So whenever you need to pay something or send money to someone, but your M-Pesa account is low, Fuliza will ask you to use the service to send.

Kindly note: When you opt into Fuliza, you can only top up within your limit.

I have explained this in the previous section on ways to increase Fuliza limit.

Simon Mwangi
Simon Mwangi
As a freelance writer with a background in banking and accounting, Simon has the financial know-how to produce quality content on various topics. His experience gives him a strong foundation in understanding complex financial concepts and communicating them in an easy-to-understand way. Follow him on Linkedin


Continue reading

14 Best Mobile Loan Apps in Kenya in 2023

Access to credit has become easier than ever with the rise of mobile loan apps in Kenya. These apps are designed to provide loans quickly and easily without requiring users to engage in lengthy paperwork or long wait times. Whether...

70 Loan Apps in Kenya Without CRB Check in 2023

Here is a complete list of Loan Apps without CRB checks in Kenya. Kenya has seen a considerable increase in the number of mobile phone users. As a result, many people use their phones to access financial services, which are...

HF Whizz Loan App: Get a Loan on HFC Mobile Loan 2023

HF Whizz Loan App is a Housing Finance Corporation product and a stable HFC mobile loan provider in Kenya. They developed the app to make customers' banking experience appealing by eliminating long transaction processes. The app allows customers to pay bills,...

10 New Loan Apps in Kenya 2023

The following is a list of new loan apps in Kenya 2023 that are still giving out loans. As you all know, the government of Kenya banned these unregulated loan apps through the Central Bank. This means that you cannot...