How to Check Fuliza Limit: Managing Your Mobile Credit Facility

Fuliza is a convenient short-term overdraft service offered by Safaricom in partnership with NCBA Bank, specifically designed for M-PESA users. This service allows customers to complete their M-PESA transactions even when they have insufficient funds.

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Understanding how to check and manage your Fuliza limit is crucial for effective financial management. Here’s a detailed guide:

Introduction

Fuliza M-PESA, a revolutionary service by Safaricom, provides a lifeline for M-PESA users by allowing transactions to go through even with inadequate account balances. It’s a unique service that blends the reliability of M-PESA with the flexibility of an overdraft facility.

Checking Your Fuliza Limit

1. How to Check:
   • Dial *234# on your Safaricom mobile line.
   • Select the ‘Fuliza M-PESA’ option.
   • Choose ‘Check my limit’.
   • You will receive an SMS confirming your available limit​​​​​​.
2. Limit Review:
   • Fuliza limits are reviewed every three months based on your usage patterns​​.
3. Minimum and Maximum Limits:
   • The minimum limit is typically Ksh 500, and the maximum limit can reach up to Ksh 70,000, depending on your usage and repayment history​​​​.

Using Fuliza M-PESA

1. Transaction Types:
   • Fuliza can be used for various M-PESA transactions, including Lipa Na M-PESA for buying goods and paying bills, as well as sending money​​.
2. Withdrawal Option:
   • You can withdraw funds from an M-PESA agent using Fuliza M-PESA​​.

Growing Your Fuliza Limit

1. Increasing the Limit:
   • Frequent use of M-PESA services and timely repayment of the Fuliza amount are key to increasing your Fuliza limit​​.
2. Active Engagement:
   • Regular M-PESA transactions and maintaining a good repayment record help in enhancing your eligibility for a higher limit​​.

Managing Fuliza Fees and Repayment

1. Fees Structure:
   • Fuliza has a daily maintenance fee, which varies based on the amount used. This fee structure was restructured effective from October 1, 2022​​.
   • The fees are as follows:
     • 1-100: No fee.
     • 101-500: Free for the first 3 days, then Ksh 2.50.
     • 501-1000: Free for the first 3 days, then Ksh 5.00.
     • 1001-1500: Ksh 18.00.
     • 1501-2500: Ksh 20.00.
     • 2501-70000: Ksh 25.00​​.
2. Repayment Process:
   • Any funds received or deposited in your M-PESA account are automatically used to clear your outstanding Fuliza balance​​.
   • If you have an unpaid balance after day 30, you will temporarily lose access to your Fuliza limit, which is restored upon full repayment​​.

Opting Out of Fuliza

1. Opt-Out Procedure:
   • Dial *234#.
   • Select the Fuliza option.
   • Choose to opt-out​​.

Customer Support

For any inquiries or assistance regarding Fuliza, customers can contact:

• Safaricom Fuliza customer care: Call/sms to 100 or 234 or 0722 002 100 (for prepaid customers).
• NCBA Bank Fuliza Customer care: 0711 056 444, 0732 156 444​​.

Fuliza M-PESA represents a significant advancement in mobile financial services, offering unparalleled convenience and flexibility for M-PESA users. Understanding and managing your Fuliza limit effectively can greatly enhance your experience with this innovative service.