How to increase your Safaricom’s Fuliza limit

I have a strong affinity for Fuliza, which I’ve employed for an extended period. This service has proven invaluable in numerous instances when my M-Pesa balance fell short. In this piece, I will unveil an uncomplicated technique to enhance the Fuliza limit, thereby granting access to a more substantial overdraft sum.

Fuliza represents an offering from NCBA available through Safaricom M-Pesa. This service is designed to enable M-PESA customers to finalize transactions despite having insufficient funds in their accounts.

In simpler terms, Fuliza functions as an overdraft provision accessible to all M-Pesa users. This facility permits users to successfully complete payments for services or send funds even in situations where their balance is inadequate.

Now, let’s delve into the sequential process of augmenting your Fuliza limit:

How to increase your Fuliza limit

Below are the steps to elevate your Fuliza limit to a more substantial amount:

There are two potential outcomes when attempting to increase your Fuliza limit: you might receive a new limit, or Safaricom will restore your previous limit upon restoring M-Pesa services.

Additionally, it’s advisable to review the M-Pesa charges associated with your transactions.

To initiate the process of obtaining a Fuliza M-Pesa loan, follow these steps:

1. Ensure that you are an active M-Pesa user with an active Safaricom line.
2. Your Safaricom line should have been active for the past six months.
3. Once you meet the above criteria, dial *234# on your phone and select the Fuliza M-Pesa option to opt in.
4. Alternatively, if you have the My Safaricom App, you can use it to apply for a Fuliza M-Pesa loan.
5. M-Pesa will automatically assign a Fuliza limit, which represents the maximum amount you can utilize.
6. Repayment of the loan will occur automatically when you deposit or receive money in your M-Pesa account. The necessary funds will be deducted once they are available in your account.
7. If your M-Pesa balance is insufficient when making payments or sending money, Fuliza will prompt you to use the service.

Important to note: Upon opting for Fuliza, your top-up capabilities will be restricted to your set limit.