Updated 27 September 2026. Every figure on this page links to the Safaricom, KCB or NCBA document it comes from.
Want to increase your Fuliza limit? Safaricom's own answer is short: keep using Safaricom and M-PESA services, and repay Fuliza on time. There's no form, no USSD shortcut and no number to call. Your limit comes from a credit score, and Safaricom says it reviews the limit every 3 months (Fuliza FAQ, last updated 19 May 2025).
We rewrote this guide in September 2026 and cut every tip we couldn't trace to a Safaricom document. That includes the "make 20 transactions a month" rules and the limit-by-line-age tables that circulate online. Safaricom publishes none of them. What's left is shorter, but it's what the lenders actually say.
How Safaricom sets your Fuliza limit
Three Safaricom documents explain how the limit works: the Fuliza product page (last updated 23 June 2025), the FAQ (19 May 2025) and the Fuliza terms and conditions (last updated 1 July 2026). Here's what they say, factor by factor.
| Factor | What Safaricom says | Source |
|---|---|---|
| Time on the network | Customers on the network for less than 6 months have a zero limit. | Product page, 23 Jun 2025 |
| Age and ID | You must be 18 or older and registered on M-PESA with a national ID, Kenyan passport or military ID. Accounts registered with a foreign passport can't opt in. | T&Cs clause 4.1, 1 Jul 2026; product page |
| Line activity | The limit is based on your line's activity. It is refreshed upwards or downwards depending on usage and timely repayment. | Product page, 23 Jun 2025 |
| Credit score | A credit score built from your Safaricom usage data sets the limit. It may also use your KCB M-PESA, M-Shwari and Fuliza repayment history held by KCB, NCBA or Sidian Bank. | T&Cs clause 8, 1 Jul 2026 |
| Review cycle | The limit is reviewed every 3 months, depending on your usage. | FAQ, 19 May 2025 |
5 ways to increase your Fuliza limit, according to Safaricom
These five steps come straight from the documents above. Nothing here is a trick, and none of it works overnight.
1. Keep your line for at least 6 months
If your Safaricom line is less than 6 months old, your limit is zero, full stop. No amount of M-PESA use changes that until the line passes 6 months (product page, 23 June 2025). So if you're thinking of moving your main number to a new SIM, remember the clock.
2. Use Safaricom and M-PESA services regularly
Safaricom says the way to grow the limit is to keep using Safaricom and M-PESA services. It doesn't publish which transactions count more, how many you need, or what amounts matter. Our view: pay the bills and shops you already pay through M-PESA, and don't create fake transactions to chase a number nobody publishes.
3. Repay Fuliza on time
The limit moves "upwards or downwards depending on the usage and timely repayment" (product page). You don't have to do anything to repay: any money that lands in your M-PESA clears the Fuliza balance automatically (FAQ, 19 May 2025). The hard line is day 30. A balance still unpaid after 30 days switches off your Fuliza access until you repay in full.
4. Keep your M-Shwari and KCB M-PESA record clean
This one surprises people. Clause 8 of the Fuliza T&Cs (1 July 2026) says the credit score may use your repayment history on KCB M-PESA and M-Shwari, not just on Fuliza. A late M-Shwari loan can therefore weigh on your Fuliza limit too.
5. Give the 3-month review time to work
Safaricom's FAQ says the limit is "reviewed every 3 months depending on your usage". A change you make today may not show until the next review. Checking the menu every morning won't speed it up.
Why your Fuliza limit is zero or went down
Take Achieng, a representative case rather than a real customer. She registered her Safaricom line in May 2026 and tried to opt in to Fuliza in September. The limit showed zero.
Her record was fine; at four months on the network she simply fell under the 6-month rule. Her line passes 6 months in November, and from then on usage, repayment and the 3-month review decide her limit.
These are the reasons Safaricom's documents give for a zero or falling limit:
- Your line is less than 6 months old (product page).
- Your M-PESA is registered with a foreign passport, so you can't opt in (product page).
- Your usage dropped or you repaid late, and the limit was refreshed downwards (product page).
- You have an unpaid balance after day 30. Access stops, and "will however be restored on full repayment" (FAQ).
- You defaulted. A facility unpaid for 30 days or more is an event of default (T&Cs clause 10.1). The lender can then report you to CRBs and set off the debt against your M-Shwari and KCB M-PESA savings (clauses 11.2.3 to 11.2.5).
Kamau, another representative case, ran a KSh 2,000 Fuliza balance for five weeks with no money coming in. Under the tariff that balance costs KSh 24 a day, so by day 30 he had been charged KSh 20 in access fee plus KSh 720 in daily fees (30 × KSh 24). The daily fee stops after the 30-day facility term (T&Cs clause 2.14a), but his access stopped too, and the debt now counted as a default. If you're worried a default reached a credit bureau, here's how to check your CRB status.
What Safaricom does not publish about Fuliza limits
Plenty of sites quote exact minimums, maximums and timelines. Here's what the primary sources actually show:
- Minimum limit: Safaricom does not publish this. The T&Cs (clause 7.1) say minimum and maximum limits "will be communicated" by SMS, on the website or at a Safaricom shop. We found no figure on the product page, FAQ or T&Cs.
- Maximum limit: Safaricom does not publish a per-customer maximum. The top fee band ends at KSh 70,000, and the FAQ lists M-PESA transaction limits of KSh 1 to 70,000. That's a ceiling on the tariff, not a promise of a KSh 70,000 limit.
- How much each factor weighs: Safaricom does not publish this.
- When a Fuliza default reaches a CRB: Safaricom does not publish a day count or a notice period for Fuliza. (M-Shwari does: 120 days, with 30 days' notice, per NCBA's Key Facts Document.)
What a bigger Fuliza limit costs you
A higher limit only helps if you know the price. Fuliza charges a one-off 1% access fee (the published tariff; see our Fuliza guide on the 1.083% figure in the terms) plus a daily maintenance fee from KSh 0 to KSh 30, depending on your balance. The daily fee already includes 20% excise duty (product page, 23 June 2025). A KSh 5,000 balance held for 7 days costs KSh 50 + (7 × KSh 30) = KSh 260, if no money comes in to reduce it.
Our Fuliza guide has the full fee table, the repayment rules and what happens after 30 days. If you're choosing between Fuliza and a 30-day loan, see Fuliza vs M-Shwari vs KCB M-PESA.
How to opt in to Fuliza
Safaricom's product page gives this menu path: dial *334#, then choose Loans and Savings, then Fuliza, then Opt in. Your limit is set by the score described above, so there's nothing else to apply for.
Limit too small for what you need today? See your options on Money Now. It's quicker than waiting three months for the next review.
Sources
All sources accessed 27 September 2026.
- Safaricom, Fuliza M-PESA product page, last updated 23 June 2025: eligibility, 6-month rule, how the limit is set, fees, opt-in path.
- Safaricom, Fuliza M-PESA FAQ, last updated 19 May 2025: 3-month review, automatic repayment, access after day 30, KSh 1 to 70,000 transaction limits.
- Safaricom, Fuliza M-PESA terms and conditions, last updated 1 July 2026: clauses 2.14a, 4.1, 7.1, 8, 10.1 and 11.2.
- NCBA, M-Shwari Key Facts Document, revised 8 March 2024: M-Shwari CRB listing at 120 days, 30-day notice.