6 proven tricks to increase your M-PESA fuliza limit
Struggling with a low Fuliza limit? You’re not alone. Many M-PESA users rely on Fuliza for daily transactions, but few know that with the right habits, you can actually increase your limit.
You may be in need of money to use for emergencies or routine payments. These 6 proven tricks will help boost your Fuliza limit and give you more financial flexibility when you need it most.
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1. Use M-PESA frequently and consistently
The more you use M-PESA, the better your chances of a higher Fuliza limit. Depositing money, withdrawing, paying bills, buying goods, and sending money regularly builds your profile as an active customer. If you rarely transact, the system cannot trust you with a bigger overdraft.
2. Repay Fuliza on time
Repayment is one of the leading factors in increasing your limit. Safaricom expects you to clear your Fuliza balance as soon as you receive money in your M-PESA wallet. Paying on time, preferably within a few hours or days, shows you are reliable.
Worth noting, delaying or letting the system deduct the money automatically can hurt your credit profile.
Also Watch: Safaricom slashes interest rates on Fuliza overdraft services
3. Maintain a healthy transaction volume
It’s not just about using M-PESA often, but also about the size and type of transactions. Receiving money from different sources, paying utilities, shopping with Lipa na M-PESA, and transferring funds makes your account look financially active. High transaction volumes usually lead to higher Fuliza limits.
4. Keep your line active for at least 6 months
If you are new to Safaricom or recently started using M-PESA, your Fuliza limit will likely be low or even zero. Safaricom requires at least six months of consistent usage to fully assess your creditworthiness. Be patient, stay active, and use M-PESA services regularly during this period.
5. Use other Safaricom financial services responsibly
Safaricom looks at your overall financial behaviour. If you also use M-Shwari, KCB M-PESA, or Pochi la Biashara, and you repay loans or manage balances well, your Fuliza limit is more likely to increase.
When it comes to businesses, Safaricom introduced Fuliza Biashara and Taasi credit services, which can give merchants much higher overdraft facilities if their till or Pochi wallet shows steady activity for at least six months.
6. Avoid defaults
Any record of non-payment, whether on Fuliza, M-Shwari, or KCB M-PESA, negatively affects your profile. If you have outstanding balances, clear them as soon as possible. Even small defaults can freeze your limit or cause it to drop.
