How to Check and Increase Your Fuliza Limit

Fuliza has become one of the most widely used mobile overdraft services in Kenya, helping M-Pesa users complete transactions even when they do not have enough money in their wallets.

According to data released by NCBA Group in March 2026, Kenyans borrowed Ksh1.24 trillion through Fuliza in 2025, translating to about Ksh3.3 billion every day.

How to Check Fuliza Limit 

To check one’s Fuliza Limit, the individual needs to dial *334# and select Fuliza M-Pesa. 

Through the USSD, a user can also view their balance, access a mini statement and opt out of the service.

On the my One App (formerly M-Pesa app) one can access Fuliza by 

Also Read: Shiriki Pay: M-Pesa Feature That Lets You Give Others Limited Access to Your Money

How to Increase Fuliza Limit 

Safaricom now allows customers to request a limit review directly through USSD *334#.

Among the options available, select 00 and choose the ‘Refresh My Limit’ option.

After submitting the request, your limit will be reviewed by Safaricom's banking partners.

Requesting a review does not guarantee that your limit will increase, and the review may take some time.

Safaricom says that the Fuliza limit of a user limit is based on their usage and the bank's assessment. The key factors include M-Pesa transaction activity, Fuliza repayment history, CRB status and repayment history for other mobile loans, including Okoa Jahazi

The better your repayment and usage record, the higher your chances of qualifying for a larger limit.

To improve your chances of getting a higher limit, one should use M-Pesa services regularly, repay Fuliza on time, and maintain a good repayment history on other mobile loans

Customers who have been on the Safaricom network for less than six months receive a zero limit until they build enough usage history.

How to Read: Kenya's Fuliza Usage Rises to Ksh3.3 Billion Per Day as Mshwari Declines

How to Opt Into Fuliza

Anyone interested in using the service can join by dialling *334#, selecting Fuliza M-Pesa, then choosing Opt In

After activation, Safaricom and its banking partners will assess your line and assign a Fuliza limit if you qualify.

Fuliza can be used to send money or pay for goods and services through Pay Bill, Buy Goods, among other services. You can also withdraw cash from an M-Pesa agent using Fuliza.

There is no fixed number of times you can use Fuliza. You can use it as many times as you need, provided the total overdraft remains within your allocated limit.

Repayment for Fuliza is automatic. Any money deposited into or received in your M-PESA account is first used to clear the outstanding Fuliza balance.

If the balance remains unpaid for 30 days, you will temporarily lose access to your Fuliza limit until the overdraft is fully repaid.

Also Read: How to Withdraw From Fuliza Directly at an M-Pesa Agent

Fuliza Charges

Customers using Fuliza are subject to two types of charges:

1. Access Fee: A one-time access fee of 1% is charged when a customer uses Fuliza.
2. Daily Maintenance Fee: A daily maintenance fee is charged on the outstanding Fuliza balance, beginning the next day at midnight.

In addition, an Excise Duty of 20% is applied to the daily maintenance fee. The daily maintenance fee is calculated based on the outstanding Fuliza amount.