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Wednesday, October 4, 2023

How to increase your Safaricom’s Fuliza limit

I have a strong affinity for Fuliza, which I’ve employed for an extended period. This service has proven invaluable in numerous instances when my M-Pesa balance fell short. In this piece, I will unveil an uncomplicated technique to enhance the Fuliza limit, thereby granting access to a more substantial overdraft sum.

Fuliza represents an offering from NCBA available through Safaricom M-Pesa. This service is designed to enable M-PESA customers to finalize transactions despite having insufficient funds in their accounts.

In simpler terms, Fuliza functions as an overdraft provision accessible to all M-Pesa users. This facility permits users to successfully complete payments for services or send funds even in situations where their balance is inadequate.

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Now, let’s delve into the sequential process of augmenting your Fuliza limit:

How to increase your Fuliza limit

Below are the steps to elevate your Fuliza limit to a more substantial amount:

There are two potential outcomes when attempting to increase your Fuliza limit: you might receive a new limit, or Safaricom will restore your previous limit upon restoring M-Pesa services.

Additionally, it’s advisable to review the M-Pesa charges associated with your transactions.

To initiate the process of obtaining a Fuliza M-Pesa loan, follow these steps:

  1. Ensure that you are an active M-Pesa user with an active Safaricom line.
  2. Your Safaricom line should have been active for the past six months.
  3. Once you meet the above criteria, dial *234# on your phone and select the Fuliza M-Pesa option to opt in.
  4. Alternatively, if you have the My Safaricom App, you can use it to apply for a Fuliza M-Pesa loan.
  5. M-Pesa will automatically assign a Fuliza limit, which represents the maximum amount you can utilize.
  6. Repayment of the loan will occur automatically when you deposit or receive money in your M-Pesa account. The necessary funds will be deducted once they are available in your account.
  7. If your M-Pesa balance is insufficient when making payments or sending money, Fuliza will prompt you to use the service.

Important to note: Upon opting for Fuliza, your top-up capabilities will be restricted to your set limit.

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