How to Increase Your Fuliza Limit in Kenya 2025: Complete Guide

Fuliza remains Kenyas most popular overdraft service, allowing M-Pesa users to complete transactions even when their account balance is insufficient. With over 25 million active users and limits ranging from KSh 100 to KSh 70,000, understanding how to increase your Fuliza limit can significantly improve your financial flexibility.

What is Fuliza and How Does It Work?

Fuliza is an overdraft facility provided through a partnership between Safaricom, KCB Bank, and NCBA Bank. When you attempt to make an M-Pesa transaction but lack sufficient funds, Fuliza automatically covers the shortfall up to your assigned limit.

Current Fuliza Limits (2025)

• Minimum limit: KSh 100
• Maximum limit: KSh 70,000
• Repayment period: 30 days
• CRB listing risk: After 120 days of non-payment

Fuliza Charges Structure

Note: Loans under KSh 1,000 repaid within 3 days incur no daily maintenance fees only the 1% access fee plus 20% excise duty.

How to Check Your Current Fuliza Limit

Method 1: USSD Code

1. Dial *234# on your Safaricom line
2. Select M-Pesa then Loans and Savings then Fuliza M-Pesa then Check Limit

Method 2: M-Pesa App

1. Open the M-Pesa app
2. Tap Grow at the bottom menu
3. Select Fuliza - your limit displays automatically

7 Proven Strategies to Increase Your Fuliza Limit

1. Increase Your M-Pesa Transaction Frequency

The algorithm rewards consistent usage. Target at least 15-20 transactions monthly including bill payments, airtime, and merchant payments via Lipa na M-Pesa.

2. Maintain Higher M-Pesa Float

Keep at least KSh 1,000-5,000 average balance in your M-Pesa account rather than withdrawing everything.

3. Repay Fuliza Promptly

Repay within 24-48 hours when possible. Never exceed the 30-day window. Absolutely avoid the 120-day CRB listing threshold.

4. Use M-Shwari and KCB M-Pesa Responsibly

Your performance on M-Shwari (powered by NCBA) and KCB M-Pesa affects your Fuliza score. Take small loans and repay on time.

5. Register for Longer Periods

Users with older M-Pesa accounts typically receive higher limits. Consistent usage over 6-12 months naturally increases limits.

6. Avoid Multiple Loan Apps

The CRB now tracks mobile lending. Stick to reputable lenders: M-Shwari, KCB M-Pesa, Fuliza, Tala, Branch.

7. Update Your M-Pesa Registration Details

Visit a Safaricom shop to update your ID information and confirm your account is fully registered.

Common Reasons Your Fuliza Limit Decreased

Your limit can drop if you:

• Miss repayment deadlines
• Have a negative CRB listing
• Reduce M-Pesa transaction activity
• Withdraw all funds immediately after receiving them
• Default on M-Shwari or KCB M-Pesa loans

Fuliza Limit Not Showing?

If your Fuliza limit displays as 0 or does not appear:

1. Check eligibility: You must be 18+ with a fully registered M-Pesa account for at least 6 months
2. Review CRB status: Check your credit report via TransUnion (212#) or Metropol (433#)
3. Contact Safaricom: Call 100 (free) or visit a Safaricom shop
4. Wait and transact: Continue using M-Pesa normally for 1-3 months

How Long Does It Take for Fuliza Limit to Increase?

• Monthly review: Standard algorithm recalculation
• After loan repayment: 24-72 hours for immediate impact
• After consistent usage: 1-3 months for significant increases

Frequently Asked Questions

Can I request a Fuliza limit increase directly?

No. Fuliza limits are automatically determined by the scoring algorithm. Focus on the strategies above to naturally increase your limit.

Whats the maximum Fuliza limit?

The maximum Fuliza limit is KSh 70,000. However, most users receive limits between KSh 500 and KSh 20,000.

Does checking my limit affect my credit score?

No. Checking your limit is a soft inquiry that does not impact your credit score.

Can I use Fuliza if I have a negative CRB listing?

Possibly, but your limit will likely be very low or zero. Clear your CRB status first. A CRB clearance certificate costs KSh 2,200.

Is Fuliza worth the fees?

Fuliza is best for emergencies when you need small amounts for short periods. For larger planned borrowing, consider personal loans with lower interest rates.

Conclusion

Increasing your Fuliza limit requires consistent M-Pesa usage, prompt repayments, and good credit behavior across all mobile lending platforms. While there is no shortcut to a higher limit, following the strategies in this guide will position you for gradual increases over time.

Remember: Fuliza is designed for short-term emergencies, not regular borrowing. For larger financial needs, compare personal loan options from Kenyan banks that offer better rates for longer repayment periods.

Last updated: December 2025. Fuliza is a product of Safaricom PLC in partnership with KCB Bank and NCBA Bank.