All Things Fintech in Africa

Tips for Increasing Your Fuliza Limit in 2022

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:

NOTE: This action might reduce your limit to zero.

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.

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 six 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.

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