How To increase Fuliza Limits For 2023

Discover effective strategies to increase your Fuliza limit and enjoy greater financial flexibility with Safaricom's innovative overdraft service

Jun 17, 2023 - 11:50
Jun 17, 2023 - 11:50
How To increase Fuliza Limits For 2023
How To increase Fuliza Limits For 2023

Fuliza, a revolutionary overdraft service launched by Safaricom in 2019, has witnessed exponential growth in popularity among MPESA users. Its uniqueness lies in its ability to let users complete transactions even when they have insufficient funds, as long as the amount is within their Fuliza limit. Despite competition from other mobile loan apps, Fuliza continues its reign in the digital lending sector.

However, the common question among most Fuliza users is, "How can I increase my Fuliza limit?" This guide will walk you through five proven strategies to maximize your Fuliza limit and how to tackle potential hurdles in this process.

How Does Fuliza Work?

Understanding the mechanism behind Fuliza is essential before diving into ways to increase your limit. It's critical to remember that Fuliza is not a mobile loan but an overdraft service. The primary function of Fuliza is to enable you to complete MPESA transactions without sufficient funds in your account. The service becomes available once you've opted into Fuliza, and the borrowed amount is automatically deducted from your incoming MPESA deposits.

The Utility of Fuliza

Fuliza facilitates a variety of transactions, making it an incredibly versatile tool. Here are some of the operations you can perform using Fuliza:

  • Send Money: You can send money to other MPESA users and non-users, even when your account lacks the required funds.
  • Lipa Na MPESA: Fuliza allows you to pay bills and buy goods without having sufficient funds in your account.
  • Buy Airtime: If you're low on funds but need to recharge, Fuliza has got your back.
  • Withdraw MPESA: You can withdraw money from an MPESA agent using Fuliza, avoiding double transaction costs.

Eligibility and Activation

Before benefiting from Fuliza, you must opt-in or activate the service. To do so:

  • Dial *234# on an MPESA-registered mobile number.
  • Select 'Fuliza MPESA'.
  • Select 'Opt-in.'
  • Accept Fuliza's terms and conditions.
  • You must meet specific eligibility requirements to qualify for Fuliza, which include being a registered MPESA and Safaricom user and having an active line for at least six months.

How to Increase Your Fuliza Limit

Now that we understand how Fuliza operates let's dive into the strategies to increase your Fuliza limit:

  • Regular Usage: Just like any lender, Fuliza requires trust. Regularly using Fuliza to pay bills and perform transactions builds this trust, potentially increasing the limit.
  • Frequent Use of Safaricom Services: Consistent usage of MPESA and Safaricom services also increases the lender's trust, boosting your chances of a limit increase.
  • Timely Repayment: Ensuring prompt repayment of your Fuliza loan within the 30-day window can increase your limit. This strategy may yield short-term results but will eventually lead to a limit increase.
  • Avoiding CRB Blacklisting: Avoiding blacklisting by other lenders for loan default can increase your Fuliza limit. If blacklisted, Fuliza may decrease your limit or refuse a limit increase.
  • Opt-Out and Opt-In Strategy: Some users claim that opting out and back into the service has resulted in a limit increase. However, it's crucial to tread carefully with this method as Safaricom has not officially endorsed it.
  • Transact More via MPESA: The more transactions you make through your MPESA account, the higher your Fuliza limit is likely. These transactions could be sending money, receiving money, paying bills, or buying goods or services.
  • Keep Your Safaricom Line Active: Keeping your Safaricom line active and in use for a long time can increase your chances of getting a higher Fuliza limit. A fixed line is less likely to benefit from a higher limit.
  • Monitor Your Credit Score: It's essential to closely monitor your credit score because it directly affects your Fuliza limit. Safaricom uses the CRB score to determine your Fuliza eligibility and limit. Maintain a healthy credit score by repaying your loans on time and avoiding late payments.

Customer Support 

If you need any help with your Fuliza limit, it is advisable to contact Safaricom's customer support team. They can assist in understanding any unforeseen issues that might be hindering the growth of your limit.

  • Safaricom Fuliza customer care: Call/sms to 100 or 234 or 0722 002 100 (prepaid customers only)
  • NCBA Bank Fuliza Customer care: 0711 056 444, 0732 156 444

READ ALSO:  SGR Online Booking via Mpesa Process 2023


While maximizing your Fuliza limit may seem like an uphill battle, a disciplined approach toward financial management and consistent usage of MPESA and Safaricom services can yield positive results. Timely repayment, regular use, and a good credit score can help you enjoy the benefits of a higher limit. By adopting these strategies, you can harness the full potential of Fuliza and enjoy better financial flexibility.

Remember, while Fuliza is a helpful service, it should be used responsibly to avoid falling into a debt trap. Always borrow within your means and repay on time to maintain a healthy financial status.

So, what are you waiting for? Leverage these strategies today and watch your Fuliza limit grow!


What is Fuliza?

Fuliza is an overdraft service offered by Safaricom. It enables MPESA users to complete transactions even when they lack sufficient funds in their accounts, provided the transaction amount is within their Fuliza limit.

How do I activate Fuliza?

You can activate Fuliza by dialing *234# on your MPESA-registered mobile number, selecting 'Fuliza MPESA,' opting in, and accepting the terms and conditions.

How do I increase my Fuliza limit?

Regular usage of Fuliza, frequent use of Safaricom services, prompt repayment within the 30-day window, maintaining a good credit score, and avoiding CRB blacklisting are some strategies to increase your Fuliza limit.

What happens if I fail to repay my Fuliza balance within 30 days?

You must repay your balance within 30 days to avoid a decline in your Fuliza limit, and your credit score may be negatively affected. Additionally, Safaricom could list you with Credit Reference Bureaus (CRBs).

Can I use Fuliza to withdraw cash from an ATM?

No, you cannot use Fuliza to withdraw cash from an ATM. The service can only be used for transactions such as sending money, buying goods, paying bills, and withdrawing money from an MPESA agent.

Is Fuliza available to all Safaricom users?

Fuliza is available to registered Safaricom users with an active line for at least six months. The user must also opt into the service.


The information provided in this article is for general informational purposes only. It does not constitute financial advice. While we strive to provide up-to-date and accurate information, we make no warranties of any kind about the completeness, accuracy, reliability, suitability, or availability concerning the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is strictly at your own risk. Always consult a professional or financial advisor before making any financial decisions.

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Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.