01Typical Fuliza Limit Tiers
Safaricom doesn't publish an official limit table, but based on commonly reported outcomes tied to account age and usage level, Fuliza limits tend to cluster around these approximate bands:
| Usage profile | Typical limit range |
|---|---|
| New / under 6 months active | KES 0 |
| Light, occasional M-Pesa use | KES 100 – 1,000 |
| Regular, consistent M-Pesa use | KES 1,000 – 10,000 |
| Heavy usage + strong repayment history | KES 10,000 – 30,000 |
| Very high usage + long, clean history | KES 30,000 – 70,000 |
⚠️These are approximate, commonly observed ranges, not an official Safaricom scale. Your actual limit depends on your specific CRB status, savings behaviour, and repayment history.
02How You Move Between Tiers
↑
Moving up a tierSustained increases in M-Pesa transaction volume, consistent on-time Fuliza repayment, and clean CRB status over several review cycles.
↓
Moving down a tierLate repayment, a new negative CRB listing, reduced M-Pesa activity, or opting out and back in to Fuliza.
Safaricom reviews limits periodically — commonly cited as roughly every 3 months — based on accumulated activity since the last review, not a single transaction.
03Working Out Roughly Where You Sit
Check your current limit using *334# → Check Limit and compare it against the table above to get a rough sense of your current tier. If you're lower than expected for your activity level, it's worth checking your CRB status and reviewing our diagnostic guide.
Get a precise, personalized breakdown instead of a general table
Run a free eligibility check to see exactly which factors are keeping you in your current tier.
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