Safaricom Explains How Kenyans Can Increase Their Fuliza Limits

Safaricom has explained how customers can increase their Fuliza limits apart from using the service regularly and repaying loans on time.

The company responded after a customer complained that his Fuliza limit had remained the same for years despite using the overdraft service daily.

Fuliza is a service that allows M-Pesa users to complete transactions even when they do not have enough money in their accounts.

According to Safaricom, Fuliza limits are normally reviewed after every three months, depending on how customers use different Safaricom services.

What Determines Fuliza Limit Increase

Safaricom said the Fuliza limit is not only based on loan repayment history. The company explained that several activities on a customer’s line are also considered.

These include:

• M-Pesa usage
• Airtime top-ups
• Buying data bundles
• Voice calls
• SMS usage

The clarification came after an X user identified as Hillary Koech asked why his limit had failed to increase despite repaying his Fuliza balance on time.

In response, Safaricom said a customer’s activity across its services helps determine whether the limit can be increased.

The company explained that customers who frequently use Safaricom services build a stronger profile, which may improve their chances of getting a higher Fuliza limit in future.

Reasons Why the Fuliza Limit Can Be Reduced

Safaricom also revealed that Fuliza limits can go down depending on several factors.

Some of the things considered include:

• CRB credit score
• Savings on M-Shwari
• Usage of KCB M-Pesa
• M-Pesa transactions
• Voice and data usage
• Late repayment of Fuliza

According to Safaricom, customers who delay repaying Fuliza or opt out of the service may see their limits reduced.

Who Qualifies for Fuliza

M-Pesa users registered using a Kenyan national ID, Kenyan passport, or Military ID can activate Fuliza. However, not every customer automatically qualifies for a loan limit after registration.

Safaricom also stated that accounts registered using foreign passports cannot access Fuliza services.

Customers with multiple M-Pesa lines are treated separately, meaning each line can receive its own Fuliza limit.

Eligible customers usually receive messages from Safaricom informing them that they qualify for the service.

How to Activate Fuliza

To join Fuliza:

1. Dial *334#
2. Select Loans and Savings
3. Choose Fuliza
4. Opt in

Fuliza Charges

Customers using Fuliza pay a one-time access fee of 1 percent, together with daily maintenance charges based on the amount borrowed.

An additional 20 percent excise duty is also charged on the daily maintenance fee.

Below are the current daily charges:

Click to Join Our WhatsApp Channel

Click to Join Our WhatsApp Channel.

• KSh 0 – 100: No charges
• KSh 101 – 500: KSh 3
• KSh 501 – 1000: KSh 6
• KSh 1001 – 1500: KSh 21.6
• KSh 1501 – 2500: KSh 24
• KSh 2501 – 70,000: KSh 30