Kuda - Transfers and payments

Kuda Technologies Ltd

About this app

Join over 8 million people who use Kuda to spend, save, borrow, and get more from their money every day.


OPEN A FREE ACCOUNT
- Download the Kuda banking app, open an account in minutes, add some money, save automatically, invest in US stocks, and pay bills.
- Kuda is licensed by the Central Bank of Nigeria, with deposits insured by the NDIC.


MAKE RELIABLE PAYMENTS
- Make banking easier for yourself. Get 25 free money transfers to any Nigerian bank monthly (Nigeria only), enjoy free debit and credit alerts and send money instantly to other Kuda users with just their Kuda Username.
- Pay online and offline with secure payment options.
- Pay across borders with money transfers to Nigeria from abroad at competitive rates. (UK and Canada users only.)
- Pay bills and buy airtime for all major networks. (Users in Nigeria only.)
- Request a Kuda card with pickup and nationwide delivery options. (Users in Nigeria only.)


WATCH YOUR MONEY GROW
- Set up Spend+Save to save automatically each time you spend or lock some money away in a Fixed Pocket and earn up to 16% annual interest. (Users in Nigeria with Tier 3 accounts only, terms and conditions apply.)
- Invest in US stocks with a trading account (Nigeria only).
- Trading services are provided by a third party. Disclaimer: Invest wisely. The value of stocks fluctuates and stock trading involves possible loss of capital.


GET MORE REWARDS ON KUDA PREMIUM
- Earn 50 Coins to unlock Premium rewards! You'll get cashback, discounts from popular brands, priority support, and special features like budgeting, spending reports, app themes, and profile picture updates. (Users in Nigeria with Tier 3 accounts only, terms and conditions apply.)


WHY SHOULD YOU USE KUDA?
- We’re transparent and we won't charge you unnecessary fees for banking with us.
- Download the Kuda banking app now to get more from your money, save easily, make free transfers, earn Premium rewards, invest with a trading account, and pay any time!
- Learn more about Kuda at kuda.com.


YOUR MONEY IS SAFE WITH KUDA
- Block your card on the app instantly and unblock it if you find it.
- Use Passkeys, Safety Mode and Private mode for extra security.
- Need help? Chat with us on the app or send a message to [e-mail]


Do more with your money. Enjoy more life.

Ratings and reviews

After all the complaints I had when I started using Kuda, I enjoy using it now but I want to share my opinion on something that I've noticed in the savings section. The savings option isn't flexible enough, some savings are for short term while some are long term, while some can be fixed too. The least fixed/target saving duration is 1 month. What if just having a 2 weeks or 1 month and half saving goal? kindly add options where the money can be locked safe and sound too. Thanks.

I would have given it a 5 Star rating but,I'll just do 4 now. I reserve my right to increase it to 5 later. initially,kuda wasn't as great as it is now,but the upgrades currently are topnotch. the app is good. one of the best fintech banks I've used. I've been using kuda for over 3 years now and my experience has been nothing short of amazing kuda is great,it remains my go to bank app,both for business and personal use. try it, you won't regret it

I hope someone on the Kuda design team sees this. 🙏🙏 Please consider displaying the account number, not just the account name and bank, in the Recent transfers list. Some businesses have multiple accounts with the same name at the same bank, so without the account number it's impossible to know which account I'm sending money to when making a repeat transfer.

What’s new

Smart Overdraft: You can now apply for an overdraft directly from the app if you don’t already have one. Just answer a few questions, link your salary account, and get a decision in minutes.