Fuliza is an M-PESA overdraft credit that you can use to pay your bills and send money to other numbers. You can only access fuliza overdraft credit once you are awarded a fuliza limit.

To access fuliza, you need to have a working registered Safaricom sim card and also be a registered active customer on Safaricom mpesa service. To activate your fuliza, dial *234# and opt-in.

Your fuliza limit could be stagnant for one or many reasons, some among them being late repayment of the previous fuliza limit, and less use of Safaricom and mpesa services among others.

You can have as many fuliza accounts as the number of registered Safaricom sim cards. Fuliza service treats each sim card as a separate entity and awards each a fuliza limit separately. However, you can only open a single fuliza account for each line.

To know your fuliza limit, dial *234# and select the fuliza mpesa option, then check the limit to know your fuliza limit. If you have already used your fuliza limit partially, you can check your latest fuliza mpesa message to know how much fuliza limit you have remaining out of your total limit.

To know your fuliza details, dial *234# here you shall access a menu with all the options leading you to any detail you need to access concerning your personal fuliza account.

To increase your m-shwari loan limit, use the following hacks. Repay the m-shwari loan in time, save more with m-shwari, and generally use all other Safaricom services on a regular basis.

You can use Fuliza mpesa as much as you need it, the only limit is your awarded fuliza credit. Once your limit is used up, you can no longer fuliza mpesa, you shall now be required to pay the already facilitated fuliza limit.

You can send money and lipa na mpesa till and Paybill options.

To fuliza, ensure you have an active fuliza limit. Open your sim toolkit and do whatever transaction you wanted normally, if your funds are insufficient but you have an active fuliza limit, a prompt shall show after you enter your pin. You can choose 1 to accept and fuliza the missing or whole amount.

You cannot withdraw money directly from your fuliza credit account. To withdraw money from fuliza, you can fuliza to a separate number that doesn’t have any outstanding fuliza credit. You can then withdraw your money from a Safaricom mpesa agent.

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To repay your mpesa fuliza loan, deposit money to your mpesa account or in case someone sends you money, fuliza charges from your balance automatically.

The minimum you can fuliza is 0 while the maximum is 70,000 shillings.

You can easily reverse fuliza mpesa by sending the transaction’s message to 456. However, if the other user has already used or withdrawn the money, you might get a partial amount or none.

When you pay fuliza late, your fuliza limit might be reduced. Still, your fuliza limit shall not increase if you do not pay your outstanding fuliza credit in time.

To fuliza more, increase the number and amount of M-Pesa transactions. Also, keep your Safaricom credit record clean. You can also try the opting-in and out trick.

To increase your fuliza limit from the minimum of 300 shillings, you need to use Safaricom services more. You can also use the trick we shared in this article to instantly increase your fuliza limit.

Yes, fuliza services do list customers on CRB. Listings are either negative or positive listing depending on your fuliza loan status.

Yes, you can fuliza to a till number. To fuliza to a till number, follow the usual Safaricom fuliza procedure of sending fuliza to another number.

Fuliza is owned by the Safaricom company

To increase your fuliza limit from 0, maintain a clean credit record and make more frequent transactions with safaricom mpesa, mshwari, okoa jahazi and kcb mpesa.