How To Check Fuliza M-Pesa Limit and Balance

Ever had an M-Pesa transaction fail because your balance was too low? Fuliza M-Pesa steps in to cover the shortfall, letting you complete payments even with zero balance. It’s a convenient overdraft service—but it’s important to know how much you can borrow and what you currently owe to avoid surprises.

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This guide shows you how to check your Fuliza M-Pesa limit and balance using USSD and the mySafaricom app.

Fuliza Explained and Why You Should Monitor It

Fuliza M-Pesa is offered by Safaricom in partnership with banks including Kenya Commercial Bank and Commercial Bank of Africa (now part of NCBA). It works like an overdraft, allowing you to:

Pay for goods and services
Send money
Pay bills

—even when your M-Pesa balance is insufficient.

Why you should keep track of Fuliza:

Avoid surprises: Know your available limit and outstanding balance
Control spending: Overuse can build debt quickly
Improve your limit: Timely repayments can increase your borrowing limit over time

You can access Fuliza via USSD *234# or the mySafaricom app.

Steps on How To Check Fuliza M-Pesa Limit and Balance (USSD)

Follow these quick steps on any phone:

Dial *234# on your Safaricom line
- Ensure your line is registered for M-Pesa and Fuliza (opt in if you haven’t).
Select Option 0 – Fuliza M-Pesa
Choose what to check
- Press 1 to check your Fuliza limit
- Press 2 to check your Fuliza balance
Wait for confirmation
- The request processes instantly.
Receive an SMS
- You’ll get a message showing your current limit and/or outstanding balance.

Other Ways to Check Fuliza Limit and Balance (mySafaricom App)

If you prefer a visual, app-based method:

Open the mySafaricom app (Android or iOS) and log in with your Safaricom number
Go to M-Pesa
Tap Fuliza
View your Fuliza limit and balance displayed on the screen

The app is ideal for tracking usage trends and reviewing repayment details over time.