How to Refresh Your Fuliza Limit Using My OneApp
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Safaricom customers using Fuliza M-PESA can refresh their borrowing limit through the My OneApp application.
The option allows customers to request a review of their existing Fuliza limit directly through the App.
To get started, Kenyans should:
- Open the My OneApp application on their mobile device.
- Navigate to the Fuliza M-PESA section.
- Select “Refresh My Limit” to request a review of their borrowing limit.
How Safaricom Customers Can Refresh Their Fuliza Limit on My OneApp
Once the request is submitted, the customer’s Fuliza limit can be reviewed through the application.
In addition, Safaricom revealed that the refresh option provides customers with a way to request a review of their borrowing limit without having to leave the My OneApp application.
Also Read: Safaricom Announces Free Airtime for Customers Nationwide – How to Claim
However, the provided source only confirms that customers can request a review of their Fuliza limit, but it does not state that every request will increase.
Fuliza is an overdraft service offered by Safaricom in partnership with NCBA Bank and KCB Bank Kenya, which allows eligible M-PESA customers to complete transactions even when they do not have enough money in their M-PESA wallets.
Therefore, each time one uses Fuliza, they are charged a one-time access fee equal to 1% of the amount they borrow.
In addition to the access fee, customers also pay a daily maintenance fee starting the next day at midnight (12:00 a.m.) until the outstanding balance is cleared.
Fuliza Charges by Borrowing Amount in 2026
Customers who borrow between Ksh 0 and Ksh 100 do not pay any daily maintenance fee or excise duty.
Those borrowing between Ksh 101 and Ksh 500 pay a daily maintenance fee of Ksh 2.50. After adding Ksh 0.50 excise duty, the total daily charge comes to Ksh 3.
Also Read: Why You Can Transact Ksh 50K a Month and Still Get Ksh 100 Fuliza Limit
Customers who borrow between Ksh 501 and Ksh 1,000 pay a daily maintenance fee of Ksh 5. With Ksh 1 excise duty, the total daily charge is Ksh 6.
For amounts between Ksh1,001 and Ksh1,500, the daily maintenance fee is Ksh18. After adding Ksh 3.60 excise duty, the total daily charge is Ksh 21.60.
Customers borrowing between Ksh1,501 and Ksh 2,500 pay a daily maintenance fee of Ksh20. With Ksh4 excise duty, the total daily charge is Ksh 24.
For loans between Ksh 2,501 and Ksh 70,000, the daily maintenance fee is Ksh 25. After adding the Ksh 5 excise duty, the total daily charge is Ksh 30.
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Safaricom’s My OneApp interface on a phone’s display during a transaction. PHOTO/ Safaricom
