Many Kenyans are starting 2026 with a smile 😊. Safaricom recently surprised loyal M-PESA users with increased Fuliza limits, and social media has been buzzing with messages like “My Fuliza limit has been increased.”
If you’re wondering what Fuliza is, how to access it, how much it costs, or how to grow your limit in 2026, this guide breaks everything down clearly and simply.
Fuliza is not just a loan—it’s a digital overdraft service that ensures your M-PESA transactions never fail due to insufficient funds.
What Is Fuliza M-PESA?
Fuliza M-PESA is an overdraft facility by Safaricom that allows you to complete M-PESA transactions even when your balance is zero. When you use Fuliza, Safaricom temporarily covers the shortfall and automatically recovers the amount when money enters your M-PESA wallet.
Fuliza works on:
- Send Money
- Lipa na M-PESA
- Buy Goods
- PayBill
- Airtime purchases
Unlike typical mobile loans, Fuliza has no fixed repayment date. Repayment happens automatically.
How to Access Fuliza Loans in 2026 (Step-by-Step)
Safaricom’s *334# USSD menu is now the main hub for all M-PESA financial services.
To Opt-In or Check Your Fuliza Status:
- Dial
*334#on your Safaricom line - Select Option 4: Loans and Savings
- Choose Option 1: Fuliza M-PESA
- Accept the Terms and Conditions
- Select Check My Limit to view your available Fuliza
Alternative Access:
- M-PESA App → Loans & Savings → Fuliza
- MySafaricom App → Finance Section
Eligibility: You must be an active M-PESA customer for at least 6 months.
Fuliza Charges & Fees (2026 Updated Tariffs)
Fuliza charges are transparent and regulated. You pay:
- 1% one-time access fee
- Daily maintenance fee (applied after midnight)
- 20% Excise Duty on the daily fee (as per Kenyan law)
Fuliza Daily Charges Breakdown
| Fuliza Band (KES) | Daily Fee | Excise Duty (20%) | Total Daily Cost |
|---|---|---|---|
| 0 – 100 | 0 | 0 | 0 |
| 101 – 500 | 2.5 | 0.5 | 3 |
| 501 – 1,000 | 5 | 1 | 6 |
| 1,001 – 1,500 | 18 | 3.6 | 21.6 |
| 1,501 – 2,500 | 20 | 4 | 24 |
| 2,501 – 70,000 | 25 | 5 | 30 |
💡 Note: Charges apply daily until the Fuliza balance is cleared.
What Is the Maximum Fuliza Limit in 2026?
In 2026, Fuliza limits range from as low as KES 500 to as high as KES 70,000, depending on:
- Your M-PESA usage patterns
- Transaction frequency
- Repayment behavior
- Account age
There is no manual application for higher limits—it’s system-driven.
How Fuliza Repayment Works
Fuliza has automatic repayment:
- Any money received on M-PESA goes toward clearing the Fuliza balance
- You cannot “hold” incoming funds until Fuliza is fully paid
- Partial payments are accepted automatically
⚠️ Staying overdrawn for 30 days may lead to limit suspension or reduction.
Proven Tips to Increase Your Fuliza Limit in 2026
Safaricom reviews accounts every 30–90 days. To improve your limit:
1. Use M-PESA Frequently
Pay bills, buy airtime, send money, and use Lipa na M-PESA daily.
2. Repay Fuliza Early
Clear Fuliza within a few days instead of waiting weeks.
3. Avoid Long Overdraft Periods
Never stay overdrawn close to 30 days.
4. Channel Income Through M-PESA
Salary payments, business payments, and remittances help.
5. Use One Primary Line
Avoid splitting transactions across multiple Safaricom lines.
Advantages of Fuliza M-PESA
✅ Instant access
✅ No paperwork or collateral
✅ Works automatically
✅ Regulated and transparent
✅ Available 24/7
Disadvantages of Fuliza
❌ Daily charges add up
❌ Automatic deductions can affect budgeting
❌ Not suitable for long-term borrowing
Fuliza vs Mobile Loan Apps
| Feature | Fuliza | Loan Apps |
|---|---|---|
| Approval | Automatic | Manual |
| Repayment | Auto-deducted | Fixed dates |
| Interest | Daily fee | Higher APR |
| Credit Risk | Lower | Higher |
| Blacklisting | Rare | Possible |
Important Warning & Disclaimer
Fuliza is a short-term overdraft, not a long-term loan. Misuse can lead to frequent deductions and reduced financial flexibility.
Always:
- Borrow only when necessary
- Repay as early as possible
- Avoid depending on Fuliza for daily survival
Final Thoughts
Fuliza remains Kenya’s most reliable digital overdraft service in 2026. With increased limits, transparent pricing, and seamless integration with M-PESA, it continues to be a financial safety net for millions of Kenyans.
Used wisely, Fuliza can support your cash flow. Used poorly, it can drain it.
Just tell me 👍