How to Increase Fuliza Limit from 500 to 5000

Fuliza is a Safaricom overdraft service that allows M-Pesa users to complete transactions when they don’t have enough balance. Many users start with a low Fuliza limit, such as KSh 500, but you can grow it up to KSh 5,000 or more by maintaining good usage habits.

Steps to Increase Fuliza Limit

1. Use M-Pesa Frequently
   Make regular transactions including sending money, buying airtime, paying bills, and purchasing goods. Safaricom tracks activity to determine your creditworthiness.

2. Repay Fuliza on Time
   Always clear your Fuliza overdraft as soon as possible. The faster you repay, the more likely your limit will grow.

3. Maintain a Good M-Pesa Balance
   Keep some money in your M-Pesa wallet. A healthy balance shows you are an active and reliable customer.

4. Increase M-Pesa Usage Amounts
   Higher-value transactions build trust with Safaricom and can lead to bigger limit increments.

5. Avoid Late Repayments
   Consistently failing to repay on time can lower or freeze your Fuliza limit.

How Long It Takes to Grow from 500 to 5000

• With regular usage and timely repayments, users typically see gradual increases in their Fuliza limits every 30–90 days.

• The growth depends on your individual M-Pesa activity, repayment history, and overall usage behavior.

Benefits of a Higher Fuliza Limit

• Ability to complete larger transactions without interruption.

• Greater financial flexibility in emergencies.

• Convenience when paying bills, buying goods, or sending money.

FAQs

1. Can I request a direct increase to 5,000?
No, Safaricom automatically adjusts limits based on your M-Pesa activity and repayment history.

2. How often are Fuliza limits reviewed?
Limits are usually reviewed every 30 days depending on your usage.

3. Will defaulting affect my Fuliza limit?
Yes, failing to repay on time can lead to limit reduction or suspension.

4. Does CRB status affect Fuliza?
Yes, negative CRB listings may affect your Fuliza eligibility and limit growth.

5. Can I opt out and rejoin to increase my limit?
Opting out and back in does not guarantee an increase. Usage and repayment patterns matter more.

Conclusion

Growing your Fuliza limit from KSh 500 to 5,000 requires consistency. By using M-Pesa actively, repaying on time, and maintaining a healthy transaction history, you can steadily unlock higher borrowing power and enjoy more financial flexibility.