Why Fuliza Limit Decreases to 0 After Opting Out & Tips For Increasing Your Fuliza Limit In 2024

Discover the key to managing and optimizing your Fuliza limit in Kenya with our in-depth guide, from basic understanding to advanced strategies

Jan 9, 2024 - 09:50
Jan 9, 2024 - 09:53
Why Fuliza Limit Decreases to 0 After Opting Out & Tips For Increasing Your Fuliza Limit In 2024
Why Fuliza Limit Decreases to 0 After Opting Out & Tips For Increasing Your Fuliza Limit In 2024

Imagine this: You're in Your favourite marketplace, your shopping cart brimming with essentials, but as you reach the checkout, a cold wave of realization hits you - your M-Pesa balance isn't enough. What do you do? This is where Fuliza, a lifeline in the form of a digital overdraft service, swoops in to save the day. It's like having a financial guardian angel in your pocket, ready to ensure your transactions don't hit a dead-end due to insufficient funds. This unique service, a brainchild of the collaboration between NCBA bank and the telecom giant Safaricom, has revolutionized the way Kenyans handle their digital transactions.

Now, let's delve deeper into the heart of our discussion. Have you ever experienced a sudden drop in your Fuliza limit to the baffling figure of zero? It's a scenario that can leave even the most seasoned M-Pesa users scratching their heads in confusion. This blog post is dedicated to unraveling this mystery. Why does your once-reliable Fuliza limit suddenly show a big, round zero? What causes this sudden change, and more importantly, how can you navigate through it to restore or even increase your Fuliza limit?

Our journey through this post will be an eye-opener, a guide filled with valuable insights, and a deep dive into the mechanics of Fuliza in Kenya. We'll explore the reasons behind the fluctuating Fuliza limits, investigate the factors that lead to a limit drop to zero, and provide actionable tips to help you manage and potentially increase your Fuliza limit. Whether you're a seasoned Fuliza user or new to the service, this article is your compass in the world of digital overdrafts in Kenya. 

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Understanding Fuliza and Its Functionality

What is Fuliza?

Fuliza is not just a service; it's a financial safety net for countless Kenyans. At its core, Fuliza is an innovative overdraft facility, seamlessly integrated with M-Pesa, Kenya's widely used mobile money service. Developed through a partnership between NCBA Bank and Safaricom, Fuliza steps in when your M-Pesa balance falls short. Picture this: You're trying to make a crucial payment, but your balance is low. Instead of declining the transaction, Fuliza covers the gap, ensuring your transaction completes successfully. It's like an understanding friend who quietly chips in when you're a little short on cash.

How Fuliza Works

The functionality of Fuliza is straightforward yet ingenious. Let's say you attempt to pay a bill or transfer money via M-Pesa, but your account balance isn't sufficient. Fuliza automatically kicks in, covering the shortfall. This isn't a conventional loan; it's an overdraft, meaning you're borrowing against your future M-Pesa deposits. Safaricom then deducts the borrowed amount, along with a nominal interest, from your next M-Pesa deposit. It's a smooth, hassle-free process that ensures your transactions don't stall due to a lack of funds.

Eligibility Criteria for Using Fuliza

To tap into this convenient service, there are a few boxes you need to tick. First and foremost, you must be a registered M-Pesa user with an active Safaricom line. But there's a catch – your Safaricom line needs to have been active for at least six months. This criterion is pivotal as it helps Safaricom assess your transaction behavior and determine your eligibility for Fuliza. In a nutshell, your history with M-Pesa and Safaricom is the key to unlocking the benefits of Fuliza.

Reasons Why Fuliza Limit Drops to Zero

In the dynamic world of digital finance, understanding the ebb and flow of services like Fuliza is crucial. Let's explore the various factors that can lead to your Fuliza limit dropping to zero, leaving you momentarily stranded in your financial journey.

Inactivity or Low Usage

One of the primary reasons your Fuliza limit might plummet to zero is inactivity or low usage of your M-Pesa account. Imagine your M-Pesa account as a garden – the more you tend to it (through regular transactions), the more it flourishes. Safaricom actively monitors how frequently you use M-Pesa and Fuliza. If you leave your account dormant or scarcely used for a prolonged period, Safaricom may interpret this as a lack of need or reliability on your part. As a result, they might lower your Fuliza limit or temporarily suspend it to redistribute resources more efficiently.

Outstanding Fuliza Balance

Another critical factor is the presence of an outstanding Fuliza balance. If you've borrowed through Fuliza but haven't cleared your dues, this could trigger a protective mechanism, leading to a restriction on your Fuliza limit. It's similar to a trust-based relationship; failing to settle your debts on time can lead to a loss of borrowing privileges. Regularly checking and clearing your Fuliza balance is akin to maintaining a good credit score, ensuring your digital overdraft facility remains accessible.

Payment Delays and Credit Assessment

Your payment history plays a significant role in determining your Fuliza eligibility and limit. Consistent delays in settling your Fuliza balance or making timely M-Pesa repayments can negatively impact your creditworthiness in the eyes of Fuliza. The service uses your past financial behavior to gauge your reliability. Just like in real life, where a history of punctuality and dependability can open doors, the same principle applies here. Prompt payments and responsible financial management are key to maintaining a healthy Fuliza limit.

Technical Glitches

Sometimes, the reason behind a zero Fuliza limit may not be within your control. Technical glitches or errors on Safaricom's end can lead to inaccuracies in Fuliza limit calculations or unwarranted restrictions. In such scenarios, it's important to reach out to Safaricom's customer support. They are the troubleshooting experts who can help resolve such issues, ensuring your Fuliza limit reflects your actual eligibility.

Opting Out and In Technique

A unique aspect of managing your Fuliza limit is the 'Opt-Out and Opt-In' method. This technique, often used as a hack to increase Fuliza limits, involves temporarily leaving the service and then rejoining. However, it's essential to approach this method with caution. Opting out of Fuliza and then opting back in can sometimes reset your limit to zero, especially if the system re-evaluates your account and finds discrepancies or changes in your financial behavior.

How to Increase Your Fuliza Limit

Navigating the waters of Fuliza’s overdraft facility requires not just understanding its functionality but also knowing how to positively influence your limit. Increasing your Fuliza limit is akin to building a robust financial reputation within the M-Pesa ecosystem. Let’s dive into the strategies that can help you elevate your Fuliza limit.

Regular Transactions with Fuliza

The mantra here is simple: the more you use, the more you might get. Regularly engaging in transactions with Fuliza is a signal to Safaricom of your reliance and trust in their service. This isn't limited to just borrowing from the overdraft facility. Utilizing Fuliza for routine activities like bill payments and purchases paints you as a loyal customer. In response, Safaricom may reward this loyalty by increasing your Fuliza limit. It's akin to a coffee shop offering a free drink after a certain number of purchases - a reward for consistent patronage.

Continuous Use of M-PESA and Safaricom Services

Your relationship with Fuliza isn’t isolated; it’s part of your broader engagement with Safaricom. Thus, an active usage pattern across various Safaricom services can positively impact your Fuliza limit. This encompasses regular M-Pesa transactions, purchasing airtime, and timely repayment of other Safaricom services like Okoa Jahazi. Think of it as nurturing a tree; the more attention you give to all its branches (various services), the healthier it grows (higher Fuliza limit).

Timely Repayment of Fuliza

Timeliness in repaying your Fuliza loan is paramount. By repaying your overdraft before or on the due date, you’re building a trustworthy profile. Fuliza operates on a 30-day repayment period, providing ample time to settle your dues. Prompt repayment is a sign of financial responsibility, which Safaricom values. It’s similar to maintaining a good credit score in traditional banking; timely repayments can lead to favorable conditions, like higher credit limits.

Avoiding CRB Listing

Staying clear of negative listings on the Credit Reference Bureau (CRB) is crucial. How you handle loans from other platforms impacts your Fuliza eligibility. Defaults on other loans, especially those leading to a CRB listing, can diminish your chances of a higher Fuliza limit. In the financial ecosystem, your actions in one area can affect your standing in another. Maintaining a clean borrowing record across platforms ensures a positive financial image, enhancing your chances for a higher Fuliza limit.

General Management and Tips for Fuliza Users

Navigating the Fuliza landscape requires more than just understanding how to increase your limit; it also involves managing your account wisely and leveraging the service to your best advantage. Here’s a guide to help you steer through the Fuliza terrain with ease.

Checking Your Fuliza Loan Limit

Knowing your Fuliza limit is like understanding the capacity of your financial fuel tank – it tells you how much you can rely on it in times of need. Checking your limit is a simple, straightforward process:

  1. Dial the USSD Code: Start by dialing *234# on your Safaricom phone.
  2. Navigate to Fuliza M-PESA: From the menu, select the Fuliza M-PESA option.
  3. Check Your Limit: Then choose the option to check your limit.
  4. Await Confirmation: Finally, wait for a message that confirms your available Fuliza limit.

This process not only keeps you informed about your current limit but also helps you plan your finances better, ensuring you’re never caught off-guard.

Understanding the Maximum and Minimum Limits

The Fuliza limit isn’t a one-size-fits-all; it varies from user to user. The maximum limit you can enjoy is Ksh 70,000, allowing substantial flexibility for larger transactions. On the other end of the spectrum, the minimum limit stands between Ksh 1 and Ksh 100, catering to smaller, everyday needs. Your specific limit is determined by your transaction history and financial behavior within the Safaricom ecosystem. It’s a dynamic threshold, reflecting your financial footprint in Safaricom’s eyes.

Responsible Usage

Fuliza isn’t just a financial tool; it’s a responsibility. Here are some tips for responsible usage:

  • Regular Transactions: Regular use of M-Pesa for various transactions demonstrates responsible financial behavior, which can positively affect your Fuliza limit.
  • Timely Repayments: Always aim to repay your Fuliza overdraft within the 30-day period. This helps in maintaining a positive credit history and could lead to an increase in your limit.
  • Prudent Borrowing: Borrow within your means. Even though Fuliza is there to support you, it’s wise to use it judiciously and only when necessary.
  • Monitoring Usage: Keep a close eye on your Fuliza usage. Regular checks can help you stay on top of your finances and avoid any surprises.

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What happens if I don't repay my Fuliza loan in time?

When you borrow through Fuliza, you're entering into a commitment to repay within 30 days. If you don't meet this repayment deadline, your access to the Fuliza M-PESA limit will be restricted. This means you won't be able to rely on Fuliza for further transactions until you've cleared your outstanding balance. It's akin to a temporary freeze on a credit card for failing to settle dues. Once you repay your balance in full, your access to Fuliza will be reinstated, allowing you to use the service again.

How often can I use Fuliza M-PESA?

Fuliza M-PESA is designed to be a flexible and accommodating service. You can use it as many times as needed, provided you stay within your allocated Fuliza limit. This makes Fuliza a reliable and convenient option for covering shortfalls in your M-Pesa account, ensuring your transactions are never halted due to a lack of funds.

Can I withdraw money from Fuliza?

Yes, you can withdraw funds from an M-PESA agent using Fuliza M-PESA. This feature adds an extra layer of convenience, allowing you to access cash when your M-Pesa balance is low. However, it's important to remember that this is an overdraft facility, and the funds used will need to be repaid within the stipulated time frame.


In conclusion, Fuliza stands as a revolutionary tool in Kenya's digital finance landscape, offering a cushion when your M-Pesa balance falls short. Understanding the intricacies of why your Fuliza limit might drop to zero and learning how to effectively manage and potentially increase your limit can significantly enhance your experience with this service. Regular transactions, timely repayments, and responsible financial behavior are key to maintaining a healthy relationship with Fuliza.

As we navigate the complexities of modern financial services, tools like Fuliza offer a glimpse into the future of banking - a future where flexibility, convenience, and user-centricity are paramount. By embracing these services and using them wisely, we can ensure a smoother financial journey, one where temporary shortfalls don't impede our progress. So, whether you're a seasoned Fuliza user or new to the service, remember: your financial habits shape your Fuliza journey. Use it wisely, repay promptly, and let Fuliza be your financial ally in times of need.

Joseph Richard Richard is a distinguished contributor to sledge.co.ke, where he leverages his extensive background in finance, business, and technology to provide insightful guides and analyses. With over a decade of experience in Kenya's dynamic market, Joseph has become a trusted voice in helping individuals navigate complex topics with ease. His work, recognized for its clarity and reliability, spans critical reviews, educational content, and comprehensive guides on making informed decisions in finance and business. Joseph's commitment to empowering Kenyans through accessible information underscores his reputation as a dependable and authoritative figure in the industry