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Safaricom Increases Fuliza Limit for Thousands of Kenyans

Janeffer KatilabyJaneffer Katila
January 15, 2026
Reading Time: 5 mins read
An Interface Of The M-Pesa Mobile App Photo/Hivisasa.

An interface of the M-Pesa mobile app PHOTO/Hivisasa.

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Thousands of Safaricom customers have reported that Safaricom PLC has increased their Fuliza borrowing limits.

Customers received text messages from the telco notifying them of their revised loan limits and informing them that they can continue transacting on M-PESA even with insufficient funds by accepting a Fuliza prompt at the end of the transaction.
“Dear X, your Fuliza M-PESA limit is KSH 800.00. Transact normally on M-PESA even with insufficient funds and accept the Fuliza request at the end of the transaction,” read part the text message. 

Many Kenyans have taken to social media to share their varied testimonials after receiving increased Fuliza limits.

It has attracted reactions from other users, with some confirming they had also received an increase in their Fuliza limits, echoing the shared experience.

Sir Charles, an X user commented: “I am not alone who has got an increase in Fuliza limit.”

User by the name Psycho added: “My Fuliza limit has been increased from KSh 300 to KSh 800.”

Some customers reported varying increases in their Fuliza limits, with one seeing theirs rise from KSh 100 to KSh 600, others up to KSh 10,000, and some from KSh 500 to KSh 800.

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However, several users said they had not received any notification about their loan limit adjustments.

How to Increase Fuliza Limit

Fuliza limit is allocated upon activation by a customer who has been active on the network for at least 6 months based on their line’s activity.

To grow Fuliza limit, you need to continue using Safaricom and M-PESA services and repay your Fuliza M-PESA facility on time by toping up your M-PESA account.


Also Read: How to Access Fuliza Services Using Different Ways


Customers who have been with Safaricom for less than six months will have a zero Fuliza limit.

Every time a customer’s Fuliza limit rises, Safaricom usually sends a notification that reads: “Dear X Customer, your Fuliza M-PESA limit is Ksh1000.00. Keep using M-PESA to grow your limit.”

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Also Read: Safaricom Explains How Fuliza Loan Limits Are Set for Active M-Pesa Users


Eligibility

M-PESA customers registered using their national ID/Kenyan passport/Military ID can activate Fuliza but not all are eligible for a loan limit upon activation.

M-PESA accounts registered using foreign passport cannot successfully opt-in to Fuliza.

Upon opting in, one will be assigned a limit that defines the maximum amount of overdraft they can access.

Safaricom customers who qualify for Fuliza get reminders on how to join: “You qualify for FULIZA! Dial *334# to check your limit & use FULIZA to complete your M-PESA transactions when you have insufficient M-PESA balance.”

How to OPT in to FULIZA

Dial *334#

Select Loans and Savings>> Select FULIZA

OPT in

Follow our WhatsApp Channel and X Account for real-time news updates.

Photo Of Safaricom Ceo Peter Ndegwa Speaking At A Past Safaricom Function. Photo/Safaricom
Photo of Safaricom CEO Peter Ndegwa speaking at a past Safaricom function. PHOTO/Safaricom
Tags: fulizaSafaricom
Janeffer Katila

Janeffer Katila

Janeffer Katila is a dedicated journalist known for her investigative skills, commitment to truth, and ability to inspire change. She excels in uncovering impactful stories, connecting with sources, and crafting engaging narratives that drive societal improvements. She has cultivated her storytelling skills and developed a talent for creating content that is both accurate and compelling. Her work is characterized by accuracy, fairness, and a passion for social justice. She holds a bachelor’s degree in journalism and mass communication from Kibabii University. She can be reached at [email protected]

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Comments 15

  1. judy mwende says:
    5 months ago

    Mine is still zero and i use mpesa daily

  2. Lawrence kariuki says:
    5 months ago

    Mine is still the same limit all the years

  3. Kennedy osundwa says:
    5 months ago

    Mine remained to be 500

  4. Agatha mutheu says:
    5 months ago

    Mine from 300 to600

  5. Patricia muema says:
    5 months ago

    Loan

  6. Ben says:
    5 months ago

    Mine from 300 t0 1200

  7. Roger Milla Mati says:
    5 months ago

    Zero limit, 2yrs now

  8. Robert Mutunga Mulaki says:
    5 months ago

    The Dafaricom Fuliza charges are exorbitant.Mind reducing them please?

  9. Robert Mutunga Mulaki says:
    5 months ago

    The Safaricom Fuliza charges are exorbitant.Mind reducing them?

  10. Nakate baraka says:
    5 months ago

    Mine is still at 200

  11. Kelvin says:
    5 months ago

    Mine from zero to 1000

  12. Hezron Ouko says:
    5 months ago

    Mine from zero to 3000

    Wednesday night…got surprised

  13. Jacob mboko kata says:
    5 months ago

    10000

  14. Ann says:
    5 months ago

    Mine is still zero,,,,,,, I use Safaricom every day,,,,my limit is not increasing

  15. Janet Chebet Rotich says:
    3 months ago

    Mine has been stack in the same place for many years not changing even after being frequently doing transaction’s

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