Fuliza is a popular overdraft service by Safaricom, tied to M-PESA. It lets users complete transactions even when their M-PESA balance is low. But many people want a higher Fuliza limit. Here’s how to do it the right way no scams, no shortcuts.
What is Fuliza and How Its Limit is Set
Before you try to raise your limit, you must know how the system decides your current limit. Safaricom reviews a number of factors when assigning or changing your Fuliza limit:
Your usage history of Fuliza (how often you use it)
Repayment behaviour how timely you repay Fuliza loans
The volume and frequency of your overall M-PESA transactions
How active you are on other Safaricom / M-PESA services (airtime purchases, Lipa na M-PESA, etc.)
Understanding these gives you the basis for what you can improve.
How to Check Your Current Fuliza Limit
To know what you’re working with:
Dial *234# on your Safaricom line and follow prompts to see your Fuliza limit or balance via the “Fuliza na M-Pesa” menu.
Or in the M-PESA app, check the Fuliza section for your limit / mini-statement.
Legit Ways to Increase Your Fuliza Limit
Here are steps and habits you can adopt to get higher Fuliza access over time:
1. Use Fuliza regularly even small amounts
Don’t wait until your current limit is low. Use it consistently, even for small transactions. The more you use it (and repay), the more data Safaricom has to trust your creditworthiness.
2. Always repay on time (or early)
This is critical. The faster and more reliably you settle Fuliza debts, the better Safaricom will assess you as low risk. Late or missed payments can suppress your limit or lead to decreases.
3. Boost your overall M-PESA transaction volume
Pay bills via M-PESA
Send and receive money frequently
Use services like Lipa na M-PESA, buy airtime/data regularly
Each increases your transaction footprint.
4. Maintain a reasonable M-PESA balance regularly
Even if you don’t use all of it, keeping funds in your account shows stability. Having frequent inflows and maintaining a balance when possible signals you can handle credit.
5. Use Safaricom services beyond just M-PESA and Fuliza
Engaging with the Safaricom ecosystem (airtime/data usage, other value-added services) helps build your profile. The more diverse your usage, the more points in your favour.
6. Opt-in for Fuliza, if not yet opted in
Sometimes users haven’t officially opted into the service. Making sure you have done so is foundational.
7. Be patient Safaricom reviews limits periodically
These increases don’t happen overnight. Safaricom examines usage and behaviour over time. Expect gradual increases if you maintain good habits.
What Doesn’t Work / What to Avoid
It’s just as important to know what not to try, to avoid wasting time or falling for scams:
Any offer that asks you to pay upfront to “boost Fuliza limit.” These are scams.
“Secret codes” or third-party apps promising instant high limits. These are fake and dangerous.
Opting out and opting back. Relying on inside “connections” or underground networks promising to manually adjust your limit. Official policy is algorithmic and based on behaviour, not manual favoritism.
Additional Tips & Reminders
Always check your Fuliza mini-statement so you see your outstanding balance and repayment schedule.
Avoid letting Fuliza debt accumulate higher outstanding debt may reduce your chance of limit increase.
Track your own spending and repayment behaviour. Seeing where you are weak (maybe paying late) helps you fix it.
Conclusion
Increasing your Fuliza limit is possible but only by building trust with Safaricom through consistent, responsible behaviour. Using Fuliza, repaying it fast, maintaining active M-PESA transaction patterns, and engaging fully with Safaricom services are the ways that work. Anything promising instant results for a fee or via “shortcuts” is almost certainly a scam.