You’ve seen them everywhere. Facebook posts promising to boost your Fuliza limit to KSh 75,000 or even KSh 100,000 for just KSh 500. WhatsApp messages claiming they have “secret codes” that instantly bump your limit. Telegram groups selling “apps” that hack Safaricom’s system.
Here’s the truth: Every single one of these is a scam.
I’m going to show you how to increase your Fuliza limit using real methods that actually work because they’re based on how Safaricom’s system really operates. But first, let me save you from losing your money to these fraudsters who target people wanting to increase their Fuliza limit.
The Scam Everyone Falls For (And Why It’s Stealing Your Cash)
Right now, scammers are making thousands from desperate Kenyans who need higher Fuliza limits. They’re using these common tricks:
The “Pay First” Trap
They promise to increase your limit to KSh 75,000+ if you pay them KSh 200-1,000 upfront. Once you send the money, they either disappear or give you fake “codes” that do nothing.
The Fake App Scam
They claim to have special apps that can hack your Fuliza limit. These apps steal your M-Pesa PIN, personal information, and sometimes drain your account completely.
The “Inside Connection” Lie
They say they work at Safaricom or have contacts who can manually increase your limit. This is impossible – Safaricom’s system is automated.
Reality check: Safaricom confirmed that no third party can upgrade Fuliza credit limits, calling these posts “fake and fraudulent.”
The real maximum Fuliza limit is KSh 70,000, not the KSh 75,000 or KSh 100,000 these scammers promise. When someone offers more than KSh 70,000, you know it’s fake.
Check the official Fuliza terms and conditions to understand what Safaricom actually offers.
How to Increase Your Fuliza Limit: Understanding the Real Process
Before you can increase your limit, you need to understand how Safaricom decides your current one.
Your Fuliza limit depends on:
- How long you’ve used M-Pesa
- How much money flows through your account
- Your repayment history
- Your overall M-Pesa activity
Safaricom reviews limits every 3 months based on usage patterns. This means changes happen gradually, not instantly.
Think of it like this: Safaricom is lending you money. They want to see you’re reliable before increasing how much you can borrow.
Step 1: Master Your Current Limit
Before pushing for more, prove you can handle what you have.
Use Fuliza regularly but smartly:
- Take small Fuliza loans (KSh 50-200) weekly
- Repay within 24-48 hours
- Never let your Fuliza balance stay unpaid for more than 3 days
Track your patterns:
- Check your Fuliza balance daily using *334#
- Screenshot your usage patterns
- Note when your limit changes (usually every 3 months)
Pro tip: If you rarely use your current limit, Safaricom might actually reduce it. Use it or lose it.
Step 2: Boost Your M-Pesa Activity to Increase Your Fuliza Limit
This is where most people get it wrong when trying to increase their Fuliza limit. They think Fuliza exists in isolation. It doesn’t.
Safaricom looks at your entire M-Pesa profile when deciding how to increase your Fuliza limit. Here’s how to show them you’re worth the risk:
Increase your transaction volume:
- Send money to family and friends more often
- Pay bills through M-Pesa instead of cash
- Buy airtime for yourself and others
- Use M-Pesa for small purchases at shops
Build consistent patterns:
- Deposit money every week (even KSh 500 counts)
- Keep some balance in your M-Pesa account
- Use different M-Pesa services (savings, buying goods)
The money flow trick: Ask a trusted friend or family member to send you larger amounts (KSh 2,000-5,000) that you immediately send back. This shows high transaction activity without actually spending money.
Do this 2-3 times per month, and Safaricom’s algorithm will notice.
Step 3: Become a Safaricom Superfan
Safaricom rewards loyalty across all their services. Don’t just focus on M-Pesa.
Use multiple Safaricom products:
- Buy airtime regularly (even small amounts)
- Use Safaricom data bundles
- Send money to friends on other networks using M-Pesa
- Pay for services through Lipa na M-Pesa
The monthly spend strategy: Spend at least KSh 1,000 monthly on Safaricom services. This could be:
- KSh 300 on airtime
- KSh 400 on data
- KSh 300 on M-Pesa transactions
This shows you’re not just a casual user.
Step 4: Perfect Your Repayment Game
This is the most important factor. Safaricom cares more about getting their money back than anything else.
Repay like clockwork:
- Pay back Fuliza within 24 hours when possible
- Never let it go beyond 5 days
- If you can’t repay immediately, pay in installments daily
The rapid repayment method: Once per week, take a Fuliza loan and repay it within 2 hours. This shows Safaricom you’re not struggling financially and can manage credit responsibly.
Track your repayment score:
- Check your Fuliza mini statement regularly
- Note how quickly you repay each time
- Keep screenshots showing fast repayments
Step 5: Play the Long Game
Most people expect instant results. That’s why they fall for scams promising immediate increases.
Real limit increases happen gradually:
- Months 1-3: Focus on building good habits
- Month 3: First possible limit review
- Months 3-6: Continue consistent usage
- Month 6: Potential for significant increase
- Month 9: Major increases possible for consistent users
Be patient but persistent:
- Don’t check your limit daily expecting changes
- Focus on building good financial habits
- Let the system work automatically
The Advanced Strategies That Actually Work
Once you’ve mastered the basics, these techniques can accelerate your progress:
The salary simulation method: If you receive a salary, ask your employer to send it through M-Pesa (even if you withdraw it immediately). Regular large deposits signal financial stability.
The bill payment strategy: Pay rent, electricity, water, and other bills through M-Pesa. Large, regular payments show you handle money responsibly.
The business account approach: If you run any kind of business, channel transactions through your M-Pesa. High business activity often leads to higher limits.
Warning Signs of Fake Limit Increase Services
Protect yourself by recognizing these red flags:
Instant promises: Anyone claiming they can increase your limit immediately is lying
Payment requests: Legitimate limit increases never require upfront payment
Impossible amounts: Offers above KSh 70,000 are automatically fake
Secret codes: There are no special codes that increase limits
Third-party apps: No app can modify your Safaricom account limits
Inside connections: Safaricom employees can’t manually adjust individual limits
What to Do If You’ve Been Scammed
If you already fell for one of these fake “how to increase your Fuliza limit” scams:
- Document everything: Screenshot conversations and payment receipts
- Report to Safaricom: Call 100 and report the incident
- File a cybercrime report: Use Kenya’s official cybercrime reporting portal or contact KE-CIRT
- Report to DCI: File a complaint with the Directorate of Criminal Investigations
- Warn others: Share your experience to prevent others from falling victim
- Change your M-Pesa PIN: In case scammers got access to your account
Your 90-Day Plan: How to Increase Your Fuliza Limit Systematically
Here’s exactly what to do over the next three months to increase your Fuliza limit:
Week 1-2: Foundation building
- Check current limit using *334#
- Start using Fuliza weekly in small amounts
- Begin paying all bills through M-Pesa
Week 3-6: Activity boost
- Increase M-Pesa transaction frequency
- Add Safaricom airtime/data purchases
- Practice the rapid repayment method
Week 7-10: Consistency focus
- Maintain regular patterns
- Track all activity and repayments
- Keep money flowing through your account
Week 11-12: Optimization
- Fine-tune your approach based on what’s working
- Prepare for the 3-month review period
- Continue building good habits
Why This Guide on How to Increase Your Fuliza Limit Works (When Others Don’t)
Most guides online either promote scams or give generic advice. This guide on how to increase your Fuliza limit works because:
- It’s based on how Safaricom’s algorithm actually functions
- It includes real strategies from successful users
- It protects you from expensive scams
- It focuses on building genuine financial credibility
Start Your Journey to Increase Your Fuliza Limit Today
Stop wasting money on scams. Stop hoping for instant solutions. Start building the habits that will give you real, lasting access to higher Fuliza limits.
Your journey on how to increase your Fuliza limit starts with your next M-Pesa transaction. Make it count.
Remember: Anyone asking you to pay for limit increases is scamming you. The only real way to increase your Fuliza limit is by proving to Safaricom that you’re a reliable customer through consistent usage and repayment.
For more information about Fuliza services, visit Safaricom’s official Fuliza page.
Found this guide on how to increase your Fuliza limit helpful? Share it with friends who might be considering paying for fake limit increase services. You could save them hundreds of shillings and protect them from financial fraud.
Comments