How to Increase Fuliza Limits 2023

Bad news: There’s no way to increase your  Fuliza limit yourself so even if you see some saying they know how to increase Fuliza limits on social media at a fee(They tell you to inbox if interested), know it’s non-sense.

As a new customer, your Mshwari limit is usually small and limited to about Kshs. 300, and who wouldn’t want their limit increased to Kshs. 4,000?

So, I’m going to share with you some tips that Safaricom recommends you use to increase your Mpesa Fuliza limit.

So, here’s a quick guide with tips on how to increase your Fuliza limits.

Continue reading…


How to increase Fuliza limits

Safaricom may occasionally issue you a very low Fuliza limit that is insufficient for your transactions, and you may want an increase of the Fuliza limit.

However, increasing your Fuliza limit is not automatic, as only Safaricom’s Mpesa system is capable of doing so (naturally, they review your limit after three months).

Well, transacting larger amounts more frequently on Mpesa is the quickest way to increase your Fuliza limit.

At the same time, ensure that you repay your Fuliza loans as well as other mobile app loans (e.g. Mshwari) on time always by topping up your Mpesa account.

According to Fuliza Safaricom, the sooner you repay your Fuliza loan, the higher your Fuliza loan will be, which means that if you take a long time to repay your Fuliza loan, you risk having your Loan Limit reduced.

Another tip for increasing your loan limit is to be an active Fuliza user; keep borrowing and repaying as much as you can on time. This helps you gain Safaricom’s trust and, hopefully, increase your Fuliza loan limit.

However, if you believe that three months is too long to wait for your Fuliza Mpesa limit to increase to a reasonable level, you can take the following steps to expedite the process.

This is accomplished by opting out and then back in, which will frequently result in a change to your Mpesa limit, though there is no guarantee that it will be increased.

In some cases, your limit may significantly increase, while in others, it may return to zero. However, your new limit may be the same as your old limit in some cases.

The steps are outlined below.

Another thing to check before opting out of Fuliza is that you do not have any outstanding Fuliza balances.


  1. Dial *234#.
  2. Choose Fuliza Mpesa.
  3. Select “opt out.”
  4. Once again, dial *234# and select “opt in” instead.

If everything went well, you should have a higher limit. However, keep in mind that it is not a guarantee that you will receive an increase. It could be the other way around, either losing or gaining.

You can also opt out and opt back in to Fuliza using the MySafaricom app:

  1. Launch the MySafaricom app.
  2. Select Mpesa from the menu.
  3. Choose Fuliza Mpesa.
  4. Select “Opt out.”
  5. Return to the Mpesa menu and select Fuliza M-PESA.
  6. Choose the Opt In option this time.
  7. Your new limit will appear on the screen.

More on Fuliza Mpesa Limit

Let us now look at how to help yourself (without calling Safaricom customer care) when it comes to Fuliza Mpesa:

Fuliza Limit Check- How to check Fuliza limit

  1. Dial *234#
  2. Select “Fuliza Mpesa” option
  3. Click on Check my Limit option, and then send

Safaricom will send you a confirmation message shortly with the exact amount of money you can transact on Mpesa with an insufficient Mpesa balance.

Furthermore, each time you use Fuliza, you will receive an SMS with the outstanding Fuliza amount and limit.


How to use Fuliza to buy airtime

Nowadays, you can buy airtime with Fuliza just as easily as you can with Mpesa.

Well, here now is how to Fuliza airtime (how to buy Safaricom credit using Fuliza):

       i.            Using the paybill number 737373 (TUPAY technologies)

  1. Navigate to the Mpesa Menu.
  2. Choose “Lipa na Mpesa.”
  3. Select the “Pay Bill” option.
  4. Enter 737373 as the Business Number.
  5. Then enter your phone number as the account number.
  6. Enter the amount of airtime you want to purchase.
  7. Enter your Mpesa pin and then click “OK.”
  8. A Fuliza Mpesa pop-up message will appear on your screen, asking if you want to fulfill the amount. Click “yes” to request that Fuliza pay the transaction.

After transacting with Fuliza to purchase airtime, you will receive an SMS notification displaying the outstanding amount.

     ii.            Using the USSD code *334#

  1. Dial *334# from your phone.
  2. Choose the Buy Airtime option.
  3. Choose My phone
  4. Enter the amount of airtime you want to purchase.
  5. Enter your Mpesa pin and send
  6. If there are insufficient funds in your Mpesa account, a pop-up message will appear on your screen asking you to Fuliza the amount. To complete the transaction, click yes.

That is how you purchase airtime through Fuliza.

Tip: If you haven’t already registered for Fuliza, you must first be an M-PESA registered customer with an active Safaricom line, then dial *234#, select Fuliza, and finally opt in.


How to Increase Fuliza Limits – FAQs

What is the maximum Fuliza limit?

There’s no definite highest Fuliza limit- it varies from individual to individual and is also subject to existing MPESA terms and conditions including the Max amount you can transact daily on your Mpesa.

Can you Fuliza if you have Mshwari loan?

Yes, you can use both the Fuliza and Mshwari loans at the same time. This is because Mshwari loans are paid directly from your Mpesa or Mshwari account, whereas Fuliza loans are automatically recovered from Mpesa balances.

This means you can keep Fuliza funds in your Mpesa account even if you have an outstanding Mshwari loan.

How to Increase Fuliza Limits -Wrap up

That’s all there is to it. That is how to increase Fuliza limits.

But the bottom line is that if you want your Fuliza limit increased, you must continue to use Safaricom and Mpesa services, repay your Fuliza loans and other loans on time, and avoid CRB blacklisting.

Your credit limit will increase or decrease based on your usage and timely repayment of Fuliza services.



How to Fuliza Money to another Number

How to Pay Mshwari Loan for another Number

What you need to know about Fuliza from Safaricom



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