The Bank of the Free - Kuda

132K reviews
Content rating
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About this app

Welcome to your freedom!

Kuda - the bank that doesn't cost anything. An exciting new banking experience designed specifically for you. Sign up today.

You're busy and we've got you covered. Kuda gives Nigerians an easy way to manage their money by using mobile banking apps on their smartphones. Download the app today, open an account on your phone and request a free debit card!

Keep up with your finances without losing sleep. No card maintenance fees, free transfers and automatic savings — Kuda gives you everything you need to stay on top of your money. Download the app today.

This is Kuda, the free digital bank with a microfinance banking license from the Central Bank of Nigeria.

Kuda helps you save more money and take control of your finances.

Why Should You Use Kuda?
- Open an account in minutes.
- Kuda has 25 free transfers every month, and free debit and credit alerts.
- Save and plan easily with our saving and budgeting features – get up to 15% annual interest!
- Qualify for instant overdrafts when you use your Kuda account regularly and borrow money whenever you need it.

Open A Free Account Now
- We know that every naira is important, so we won’t charge you for card maintenance or account maintenance. We'll even deliver a free debit card to you, free of charge.

Watch Your Money Grow
- Kuda helps you plan your finances and save for your future.
- Take control of your spending with smart budgeting on Kuda, then set a percentage to save automatically and watch your money grow.
- You can also save every time you spend directly from your account with Kuda Spend+Save. It's the smartest way to save!
- We'll reward you with up to 15% annual interest on your savings, so your money keeps making money.

Your Money Is Safe At Kuda
- We know debit cards go missing sometimes. That's why you can block your card on the app (and unblock it if you find it).
- Use Private Mode to hide your account balance.
- If you need help, you can chat with us on the app or send a message to anytime.

Move To Kuda In Two Easy Steps:
1. Open your account: Download the app and sign up.
2. Add money to your account: Add a debit card, send money to your Kuda account from another bank’s app or through internet banking, send money by USSD or deposit cash at our partner banks.

For more information about Kuda, please go to

Spend smarter, save better and get the most out of your money with Kuda.

Download Kuda now.
Updated on
May 27, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info, and Device or other IDs
Data is encrypted in transit
You can request that data be deleted
132K reviews
Oluwaseyi Ajayi
May 19, 2022
Facial Video login is rubbish. After it's say successful in recording one's face, it's takes a longer time to process, then all of a sudden says "something isn't right", and cancels the whole process (complete 2 to 8 minutes, worst case 10 minutes). I still don't understand why all these fintech companies because of security, will make something so simple in previous versions become so complex in updated version, to the extent, their customers will be frustrated and forced to switch apps.
54 people found this review helpful
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Kuda Technologies Ltd
May 20, 2022
Hi Oluwaseyi , We're sincerely sorry to hear that you are having issues login into the app. Please confirm the error message you got when you attempt to log in to the app by sending us an in-app message or email from the email linked to your account and we will respond to you as quickly as possible. Thank you💜
Taiwo Godoton
May 11, 2022
My experience with the Kuda app has been great. However, the Savings Goal option needs tweaking. It doesn't give you the chance to make up for missed payments, and that impedes its purpose for me. Once you missed a day, you couldn't meet your target - so what's the point, really. I moved elsewhere in terms of savings but I'd be eager to use the Goal option again when you people fix it.
1,432 people found this review helpful
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Kuda Technologies Ltd
May 12, 2022
Hi Taiwo, I'm sorry for the inconvenience this may have caused you. Please have you sent us an in-app message or email from the email linked to your account stating your complaint? Please share your Email address to enable us to follow up with the resolution. Thank you
Harold Uku
May 19, 2022
Everything was fine with using this app until recently when I could no longer log in to the app. Kept on saying "something isn't right. please try again." And I have not been able to get in touch with their customer care. My emails are unreplied. Calls to their customer care number are not connecting. The recent experience using this bank app has been very frustrating and worrisome.
2,163 people found this review helpful
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Kuda Technologies Ltd
May 20, 2022
Hi Harold , I'm sorry for any difficulties you might have experienced in using the Kuda app and the delay in responding to your complaint. Please can you share your Email address to enable us follow-up with the resolution of your complaint, if they are yet to be resolved? We look forward to your response. Thank you💜

What's new

We made things better, fixed a few bugs and refreshed appearances. You might not notice anything this time but there are more noticeable updates coming. Take care!