How to Increase Your Fuliza Limit Instantly in 2026

by Ezekiel M. | Last updated May 7, 2026

Fuliza M-Pesa loan and airtime, Fuliza ya Biashara, register, opt out, interest rate, check limit and balance.

Fuliza is an overdraft service provided by M-Pesa in conjunction with NCBA Bank. Fuliza service allows you to buy airtime and complete any MPesa transaction even if you don’t have enough funds in your account, provided the balance lies within your permitted limit. In this article, I will take you through several ways you can employ to increase your Fuliza limit.

But first, if you have not yet opted into Fuliza, you need to register and activate the service on your line to start enjoying its services and increasing your limit.

You can grow your Fuliza limit up to a maximum of KSh. 70,000. You can hit this limit if you consistently deposit and withdraw large amounts from your M-Pesa account.

So if you want to increase your Fuliza limit from 0 to 10,000 shillings or the maximum of 70,000, depending on your credit profile, you’re in the right place.

Table of Contents

How to Increase Your Fuliza Loan Limit in 2026

M-Pesa now reviews Fuliza limits periodically, therefore if you keep your M-Pesa account credit free and are a frequent user of Safaricom and M-Pesa services (especially transactions through your M-Pesa), you stand a good chance of seeing your Fuliza limit climb higher.

But if you want to use other means to improve your Fuliza limit, you can use any of the following methods:

**Increase Fuliza limit through the *334# USSD code**

Follow these steps to increase your Fuliza limit through the USSD method:

First, confirm you have no Fuliza M-PESA loan on your line
Next, dial *334# on your M-Pesa registered line. This is the USSD code to access M-PESA services
Select Fuliza M-PESA from the menu options. This will take you to the Fuliza M-PESA menu
Now, select Opt-Out from the Fuliza M-PESA menu. This will temporarily deactivate the Fuliza service on your account
Dial *334# again to access the M-PESA menu
Next, select Opt-In for Fuliza M-PESA. This will reactivate the Fuliza service on your account with a higher limit
The system will review and increase your limit based on your credit history and M-Pesa usage

Take note that, by opting out and then opting back in, you are resetting your Fuliza M-PESA status. If your credit history is very low, this can degrade your limit, even to 0.

Increase Fuliza Limit Using MySafaricom App

Download the MySafaricom app from the Google Play Store, if not already installed on your phone, and follow this step

Open the MySafaricom app
Tap on the M-PESA menu
Select Fuliza M-PESA
Tap on the big red button that says OPT-OUT
Go to the M-PESA menu again and select Fuliza M-PESA
This time, select the Opt In option
Your new limit will be displayed on the screen

Safaricom Mpesa transaction charges through mySafaricom app

You can also consider other ways of getting emergency loans through some of the best mobile loan apps in Kenya.

Conclusion

You can increase your Fuliza limit to a maximum of 70,000 shillings by following the above simple steps. But the limit granted will depend on your credit profile and ability to repay. Safaricom gauges your creditworthiness in many ways, including your M-Pesa transactions.

Your profile is now reviewed by Safaricom periodically, and your Fuliza limit will be adjusted based on the amount you transact with M-Pesa and how frequently.

So, keep using M-Pesa and Fuliza services frequently and repay all borrowed Fuliza M-PESA loans on time by topping up your M-PESA account.

This will show Safaricom that you are a responsible and active user, which can contribute to future limit increases.

In addition to the above methods of increasing your Fuliza loan limit, you can also call Safaricom customer care and request a Fuliza limit review.

24 Comments

Jacob Lekeriya on January 6, 2023 at 00:40

Help to increase my fuliza limits
- Ruth Nyambura on January 13, 2023 at 10:43
  
  Help increase my fuliza to 10000
  - Dishon GUNDI on January 16, 2023 at 13:48
    
    Hello help me to increase my fuliza limit to 100000
  - Samuel on February 1, 2023 at 16:32
    
    I need to increase to 10000
    - Robert Noby on June 6, 2023 at 00:32
      
      Help me increase my fuliza limit to 10000
  - Dennis munyao mutiso on July 10, 2023 at 06:15
    
    How can u help me to increase my fuliza limit
  - Aslam obunga on July 15, 2023 at 15:06
    
    I made a blunder and unknowingly opted in and out several times.so I need my limit at 1500 please uk
- Moses ngumi on July 19, 2023 at 16:17
  
  Good job
- Brian on July 19, 2023 at 21:20
  
  Help have a fuliza limit
Brenda phatty haganda on January 15, 2023 at 00:27

I need help to increase my fululiza loan
- Richard on January 15, 2023 at 20:13
  
  How can I do to increase fuliza limits please
  - Help me to increase my fuliza limit from zero to 1000 on September 22, 2023 at 17:00
    
    Help me to increase my fuliza limit from zero to 1000
Eunice wanjala on January 27, 2023 at 18:30

Please help me to increase the fuliza limit
Omondi Ago on June 20, 2023 at 07:07

Please help me to increase my fuliza limit from zero to 48000.
Mike wafula on July 6, 2023 at 22:54

Help me to increase my fuliza limit to 10,000
Peter muturi mwangi on July 13, 2023 at 16:30

I need to upgrade my limit
Amram kiplangat on July 16, 2023 at 00:18

help me to increase my fuliza limit
Vivian migaliza on July 18, 2023 at 09:03

Help me join fuliza please
- Ezekiel M. on July 19, 2023 at 10:18
  
  Hi Vivian. To join fuliza please follow these instructions: How to Activate Fuliza MPesa, Get Loan, Repay and Increase Limit.
Guyo Galgalo on July 18, 2023 at 18:59

I’m hereby kindly requesting for an increase in my fuliza limits from 2000 to 4500, Thanks.
Kenn John on July 24, 2023 at 20:18

I need to increase my fuliza limit 200 to 1500
Wairimu on July 25, 2023 at 07:16

Oops!!!
Had a fuliza limit of 2000 opted out and opted in.
Safaricom has reset my Fuliza to ZERO.
How can I get back my limit?
Have tried opt in and opt out over 30 times now.
Kindly help me get back my limit.
Lawrence Mutie on October 7, 2023 at 07:52

Increase my fuliza loan limit
kipsang tonui on November 4, 2023 at 07:32

I delay, in paying fuliza,try to request,am shown limit is 00,how do I increase limit