1. loans

How to Increase Fuliza Limit In 2O22

method 1
Opt-Out and then Into Fuliza

Yes! You heard that right. You can quit Fuliza and then recede. Let me say that three things can happen here:

  • One, Safaricom may lower your limit, which is the worst scenario
  • Two, Safaricom may restore your previous limit, which doesn’t make sense, given that your goal is a higher limit
  • Three, Safaricom may improve your limit, which is the most probable scenario

So, what if Safaricom lowers your limit, or it gets to zero?

Ordinarily, you would panic in such a case. But from experience, that’s not a major blow. You can try opting out and opting in again. The chances are that you’ll get a higher limit than what you had previously. 

Opting out Through USSD 

If you are using a Kabambe phone or if you don’t have the MySafaricom app on your phone, you can follow these steps:

Dial *234# on your phone

Select the Fuliza option

Scroll down to opt out

Here’s how to opt into Fuliza services:

  • Dial *234# on your phone
  • Choose Fuliza Mpesa
  • Select the Opt-in option

Alternatively, you can use the MySafaricom app if you have a smartphone and follow the steps below:

  • Log in to MySafaricom app
  • Select Mpesa option
  • Click on Fuliza Mpesa and opt-in


method 2

The backup 1000 Technique

This is a pretty new trick that I recently learned. Well, if your loan limit is below Ksh 1,000, you can try this trick.

Here’s how it goes:

  • Activate Mshwari on your phone
  • Deposit Ksh 1,000 on your phone
  • Move it into Mshwari and back as often as you can

According to some users, that helps boost your limit within a short period. The advantage is that it also increases your Mshwari limit since you’ll be using the service.  

How to Check Fuliza Limit

Here’s how to check your Fuliza limit:

Dial *234# on your phone

Select ‘Fuliza Mpesa’

Opt for ‘Check My Limit’



most asked questions

1. Is It Possible to Withdraw My Fuliza Limit?

It’s not possible to withdraw money from Fuliza Mpesa. The only way to use Fuliza is by sending money or paying bills through Lipa na Mpesa when your Mpesa account balance is insufficient.

2. Does Fuliza Penalize Late Repayments?    

Yes! Fuliza penalizes you if you fail to pay your loan on time. You won’t access your Fuliza balance if you fail to pay the withstanding Fuliza loan within 30 days.

However, Fuliza will restore your loan limit once you fully settle the balance.