How to Increase Your Fuliza Limit.

Fuliza has become one of the most widely used overdraft facilities in Kenya, offering millions of Safaricom subscribers instant access to credit whenever their M-Pesa balances run low. Since its launch in 2019, Fuliza has continued to grow in popularity, especially for those who need quick funds to complete urgent mobile money transactions.

In 2025, the service remains a financial lifeline for many households and small businesses. However, a common question among users is: “How can I increase my Fuliza limit?” This article provides a clear guide on how the facility works, how limits are determined, practical steps to qualify for higher borrowing, and an important warning about online scams.

What is Fuliza?

Fuliza is a mobile overdraft service offered through M-Pesa by Safaricom in partnership with NCBA and KCB banks. It allows customers to complete transactions even when their account balance is insufficient. For example, if you want to send KSh 1,000 but only have KSh 600 in your wallet, Fuliza tops up the shortfall of KSh 400, which you repay later with a small daily fee.

How Fuliza Limits Are Determined

Every M-Pesa customer is assigned a personalised Fuliza limit. This limit is not the same for everyone; it depends on your usage behaviour and creditworthiness. Some of the factors include:

M-Pesa transaction history – frequent and consistent transactions build credibility.

Repayment behaviour – clearing Fuliza on time increases your limit.

Length of M-Pesa activity – long-standing, active users are more trusted.

Use of Safaricom services – airtime, data, and bill payments through M-Pesa add to your profile.

How to Increase Your Fuliza Limit

If your Fuliza limit is too low, there are legitimate ways to grow it. Here are effective strategies:

1. Repay on Time

Always settle your Fuliza debt as soon as possible. Delayed payments reduce your creditworthiness and may cause your limit to stagnate or even drop.

2. Transact More Frequently on M-Pesa

Increase the number of transactions such as sending money, paying bills, buying goods via Lipa na M-Pesa, and receiving payments. Active accounts attract higher limits.

3. Maintain a Healthy M-Pesa Balance

Regularly keep money in your wallet, as this signals to Safaricom that you manage your funds responsibly.

4. Use Other Safaricom Services

Subscribing to data bundles, airtime, and other Safaricom products strengthens your profile, giving you better chances of an upward adjustment.

5. Avoid Over-Reliance on Fuliza

While it’s tempting to use Fuliza frequently, make sure you also complete transactions using your own cash balance. This balance shows financial discipline.

👉🏾Beware of Online Scams

As Fuliza grows in popularity, fraudsters are taking advantage of desperate users by promising to “unlock” higher limits for a small fee. These are pure scams.

No third party can increase your Fuliza limit – only Safaricom, NCBA, and KCB adjust it automatically based on your usage.

Never share your M-Pesa PIN or personal details with anyone claiming to boost your limit.

If you see offers on social media or WhatsApp groups asking you to pay to increase Fuliza, ignore them immediately.

The only way to grow your Fuliza limit is by using M-Pesa responsibly and repaying what you borrow on time.

Fuliza Charges in 2025

As of 2025, Fuliza charges remain standardised depending on the overdraft amount. Customers pay:

Access fee: A one-off 1% charged on the borrowed amount.

Daily maintenance fee: Between KSh 5 and KSh 30 depending on the amount borrowed.

For example, borrowing KSh 1,000 may attract an access fee of KSh 10 and a daily fee of KSh 20 until repayment. Always check updated tariffs on Safaricom’s website or via *234#.

Risks of Over-Relying on Fuliza

While Fuliza is convenient, overusing it can lead to a cycle of debt. Some risks include:

High cumulative charges if debts are rolled over for too long.

Stagnant or reduced limit if you delay repayments.

Credit rating impact – frequent defaults may affect your chances of accessing other loan facilities such as M-Shwari, KCB M-Pesa, or Hustler Fund.

Final Thoughts

Fuliza has undoubtedly changed the way Kenyans handle mobile money transactions. By understanding how limits are calculated and practising responsible usage, you can enjoy higher borrowing capacity in 2025. But always remember: no one can manually increase your limit for a fee. Protect yourself from scammers and use Fuliza wisely as a short-term solution, not a permanent source of cash.