How to Increase Fuliza Limit in 2021

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 their M-PESA transactions when insufficient funds are in their M-PESA account.

In other words, Fuliza is an overdraft facility for all M-Pesa users that allows users to finish paying 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:

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: Activate Fuliza again 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 will restore 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 6 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. To repay the loan, all you have to do is deposit to M-Pesa or receive money from your M-Pesa. They will deduct the money automatically once it gets to your account.

So every time 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.

Stacy Ambani
Stacy here; I like to think of myself as a writer with an affinity for words. I used to work at a Fintech Startup, but now I'm currently pursuing my passion for writing and blogging by working on this website full-time. I love classical music and am always trying to find the next talented band or artist!

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