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

How to Increase Your Fuliza Limit Instantly in 2024

Fuliza has now become very popular among Kenyans since its launch 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. There is a simple way you can employ to increase your Fuliza limit instantly.

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

Safaricom allows you to increase 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.

How to Increase Your Fuliza Loan Limit

Fuliza Mpesa limit
Fuliza onscreen menu
  1. First, confirm you have no Fuliza M-PESA loan on your line
  2. Next, dial *234# on your MPesa registered line. This is the USSD code to access M-PESA services
  3. Select Fuliza M-PESA from the menu options. This will take you to the Fuliza M-PESA menu
  4. Now, select Opt-Out from the Fuliza M-PESA menu. This will temporarily deactivate the Fuliza service on your account
  5. Dial *234# again to access the M-PESA menu
  6. Next, select Opt-In for Fuliza M-PESA. This will reactivate the Fuliza service on your account with a higher limit
  7. The system will review and increase your limit based on your credit history and MPesa usage
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Take note that, by opting out and then opting back in, you are actually resetting your Fuliza M-PESA status. If your credit history is very poor, this can actually degrade your limit instead.

You can also use the MySafaricom app to increase your Fuliza limit:

Safaricom Mpesa transaction charges through mySafaricom app

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


Remember, while these steps may help you increase your Fuliza limit more quickly, it’s also crucial to continue 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. Safaricom normally awards fuliza limit based on how frequently do you Safaricom and M-Pesa services.

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