Safaricom Explains How to Qualify for Fuliza Limit Increase in 2026

At the beginning of January 2026, several Kenyans reported on social media that they had received SMS notifications from Safaricom indicating that their Fuliza overdraft limit had been increased, allowing them to access a higher borrowing amount than before.

Fuliza is a service that allows M-PESA customers to complete transactions even when their account balance is insufficient.

According to Safaricom’s HY2026 results (six months ending September 30, 2025), the number of Fuliza users rose from 7.5 million to 9.1 million, with Kenyans borrowing a record KSh 629.2 billion during that period.

On Wednesday, January 28, 2026, Safaricom user Mwaura Kabugi asked on X why he was left out of the limit increase after many others had reported that their limit was increased.

“Hey @SafaricomPLC, did you forget about me? I noticed some others have had their Fuliza limit increased,” said Mwaura.

Safaricom Explains How to Qualify for a Fuliza Limit Increase

In response, Safaricom outlined ways to qualify for a Fuliza limit increase:

1. Save regularly using Safaricom products such as M-Shwari, KCB M-PESA, or Ziidi money market fund.
2. Repay borrowed airtime on time using OKA JAHAZI.
3. Use your Safaricom line frequently and ensure it is active with credit.
4. Use other Safaricom services and products.

Also Read: Shiriki Pay Explained: Safaricom’s New Way to Let Others Spend From Your M-PESA

Safaricom added that once customers meet the requirements, they will be notified via SMS if their limit has been increased.

Other Tips to Qualify for Fuliza

• Consistently use M-PESA for sending money, paying bills, and buying airtime.
• Repay overdrafts promptly; earlier repayments signal lower credit risk.
• Maintain regular deposits and keep funds flowing through your account.

Minimum Eligibility Criteria to Use the Product

• An active Safaricom M-PESA line for at least 6 months.
• Registration with a valid Kenyan National ID, passport, or Military ID.
• At least 18 years old.
• Good standing with the Credit Reference Bureau (CRB); negative listings can result in a zero limit.

Also Read: M-PESA Charges: Full Breakdown for Withdrawals and Transfers in 2026

How to Access Fuliza

Via SIM Toolkit

1. Open the SIM Toolkit on your phone.
2. Select M-PESA.
3. Use services like Send Money, Buy Airtime, or Lipa Na M-PESA (Paybill, Buy Goods and Services, Pochi la Biashara).
4. If your balance is insufficient, a prompt will ask whether you want to use Fuliza to complete the transaction.

Via USSD Code (334#)

• Dial *334# to access the full M-PESA menu, including Fuliza.
• Use Fuliza for any transaction where your balance is insufficient.

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Photo of a Safaricom customer engaging in several transactions. PHOTO/NMG