Safaricom has shared steps that customers can use to increase their Fuliza limits.

What is Fuliza?

Fuliza is an overdraft facility offered to M-Pesa users, allowing them to complete transactions even when they have insufficient funds. It was launched in January 2019.

The company’s response follows a wave of consistent queries from users asking why their limits have either been reduced or remained at zero, despite long-term use of Safaricom services.

In a recent video, Safaricom urged customers to use Fuliza frequently for small transactions to qualify for higher limits. The company clarified that Fuliza limits are typically reviewed every 90 days.

Tips to increase your Fuliza limit

Other suggestions from Safaricom include repaying Fuliza balances on time and avoiding overdue payments. Timely repayments, they noted, help build trust with the Fuliza system, which can increase the likelihood of a limit boost.

In interactions with customers online, Safaricom provided further clarification.
One user, Dennoh Marster, asked:
“I have used my line for more than a year, yet the limit is still zero.”

Safaricom responded:
“Fuliza limit is determined and updated based on your CRB credit score, M-PESA usage, and other Safaricom services. Timely repayment of loans, including Okoa Jahazi, also plays a role. Where your usage changes and a review is done, your limit will be updated.”

Construction of Usahihi Expressway to start in early 2026

Another user, Wachie Snr Cbs, commented:
“Why has my limit been stuck at KSh 100 since 2023, even though I have never failed to pay on time?”

Safaricom replied:
“Hello Wachie, your usage of Safaricom services like voice, data, M-PESA, and savings on M-Shwari determines your Fuliza limit. Consistent usage across these services helps grow your limit.”

Why your Fuliza limit may be reduced

Safaricom warned that opting out of Fuliza could lead to a limit reset.
“When you opt out and then opt back in, your limit is likely to be reduced to 0.00. Fuliza uses your borrowing history to determine your limit,” Safaricom explained.

To opt out of Fuliza, users can:

• Via USSD: Dial *234# > Select M-PESA Products > Select Fuliza > Opt Out

  
  

• Via MySafaricom App: M-PESA > Fuliza > Opt Out

  
  

Other reasons for a reduced Fuliza limit include:

• Financial Discipline: Lower limits encourage responsible borrowing to avoid financial distress.

  
  

• Risk Management: Limits may be slashed if high-risk behavior is detected, protecting the lender.

  
  

• Debt Prevention: Reduced limits help shield users from accumulating unmanageable debt.

  
  

Video: Airbnb owner shows status her clients left room in after wild stay

CRB listing for fuliza users

Safaricom reminded users that Fuliza usage is tied to CRB (Credit Reference Bureau) listings:

• Positive Listing: Active Fuliza customers with no overdue amounts.

  
  

• Negative Listing: Active Fuliza customers with overdue amounts.

  
  

Failure to settle the utilized Fuliza amount within 120 days will result in a negative CRB listing.

Earlier, Bizna Kenya also reported on how Safaricom customers could increase their M-Shwari limits.