Get more with Kuda!
Join over 7 million people who use Kuda for easy banking, stock trading, savings, and on-the-go payments.
Kuda is the smart way to get more from your money every day. Download the Kuda banking app, open an account on your phone in minutes, add money, and request a Kuda Card.
Earn 50 Kuda Coins with a Tier 3 Kuda account to unlock Kuda Premium rewards! You'll get cashback, discounts, priority customer support, and special features like budgeting, app themes, and profile picture updates. Terms and conditions apply.
Make banking easier for yourself. Get 25 free money transfers to any Nigerian bank every month, pay online and offline easily, invest, and save money.
Kuda is licensed by the Central Bank of Nigeria, with deposits insured by the NDIC.
Why Should You Use Kuda?
Open a bank account for free in minutes and make easy payments immediately.
Make money transfers to any Nigerian bank free of charge up to 25 times every month (Nigeria users only) and get free debit and credit alerts.
Earn Kuda Coins to unlock Kuda Premium rewards - cashback, discounts from popular brands, priority support, budgeting, spending reports, app themes, and profile updates (Nigeria users with Tier 3 accounts only, terms and conditions apply).
Pay online and offline with secure payment options.
Create a Kuda Username to make unlimited free money transfers within the Kuda community without using an account number.
Set up a trading account on the app to invest in US stocks (Nigeria users only).
Request a Kuda card with pickup and nationwide delivery options. (Nigeria users only.)
Request a virtual card to pay online. (Nigeria users only.)
Save money easily with Pockets, our automated savings feature, and get up to 14% annual interest! (Nigeria users only.)
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. (Nigeria users only.)
Open A Free Account Now
We won't charge you unnecessary bank fees for banking with us.
Watch Your Money Grow
Save a lump sum or set a percentage to save periodically and we'll pay you up to 14% annual interest, so your money keeps making money. (Nigeria users only. Terms and conditions apply.)
Save every time you pay directly from your Kuda bank account with Kuda Spend+Save. (Nigeria users only.)
Invest in US stocks with a trading account (Nigeria users 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.
Your Money Is Safe At Kuda
Block your card on the app instantly (and unblock it if you find it).
Use Private Mode to hide your account balance any time.
Need help? Chat with us on the app or send a message to help@kuda.com
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Switch To Kuda In Two Easy Steps:
Open an account: Download Kuda and open a bank account on your phone.
Add money: Send money from any other Nigerian bank or move money from your debit card.
Learn more about Kuda at kuda.com.
Spend smarter, save, and get more from your money with Kuda.
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!
I recommended Kuda about a year ago that it’s a smooth platform, and it liable to use the interface is great and all. But all those are now to be put in questions cause I made a transaction last month which I cancelled and the platform in which I bought from sent a proof of payment refunds to me in which I already sent to Kuda via mail and in app chat all to no avail I was just getting we will see to it and give you feedback in a few days, few days is now turning into months now!!! This is becoming so frustrating cos I need to use my funds Kuda and team pls refund me, I know the money is there why is it not reflecting on my account?
Developer Response
Hi there,We're sorry for the delay in the reversal of your funds .Please, note that your complaint has been logged earlier and it is being reviewed.We're still working on your transaction and I want to assure you that you will get a reversal of the funds soon . Please can you share with us your Email address or full name to enable us to follow up with the resolution.We're sorry for the inconvenience this may have caused you.Thank you 💜
Kuda app
Wrldberry
You guys need to need fix the app because mostly it glitch sometimes and I do use take an overdraftbut whenever I repay all the money it took so long before the I see my remaining balance and it won’t allow me spend for example : I took overdraft three days ago and I pay all the overdraft since around 4pm today till now 11pm it can’t even refresh my balance so I spend money it very frustrating please guys please work on the app.And again when I started using Kuda I think that was 2024 I fill the address with the same place am living back meaning I don’t use any documents like Nepa bill etc…. Now I’ve changed location then this same app show I need to update my address which is I try the Nepa bill of we’re am living currently and they rejected it because the address on the Nepa bill was not the same I fill in back then so please how am I supposed to change the address with same address on my Nepa bill when you guys did not even allow someone to click the old address so I could change it perfectly. Omo una go lost a lot of customers very soon unless you people fix all the damage that is wrong with the app
Developer Response
Thanks for rating the Kuda App! You can reach us anytime through the in-app chat or by emailing help@kuda.com.We’re here to help!💜
Stuck in Verification Limbo - 2 Months and Counting!
ay_akorede
I initially downloaded the Kuda app with high hopes, attracted by its promises of seamless banking. The initial sign-up process was relatively smooth, and I successfully verified myself within the app. However, it has now been two months since my account entered the "under review" status, and there has been absolutely no progress.This prolonged verification period is incredibly frustrating and has rendered the app unusable for me. I cannot access the features or transact, which defeats the entire purpose of having a Kuda account.A two-month verification period for an essential banking service is simply unacceptable. It reflects poorly on Kuda's operational efficiency. I urge the Kuda team to address this issue urgently and provide a clear timeline for account activation. Until then, I cannot recommend this app to anyone looking for reliable and prompt banking services.Current Rating: 1/5 stars (Would be higher if account was active)
Developer Response
Thanks for rating the Kuda App! You can reach us anytime through the in-app chat or by emailing help@kuda.com.We’re here to help!💜
The worst online bank I’ve ever used
FancyB1239
This is the worst online bank I’ve ever used, please avoid this bank by all means. It’s been 3 days since I made a transfer to someone to his PalmPay account and the person is yet to receive and Kuda know very that the transaction is not successful but they keep stressing me and they can’t even make a reversal for the past 24 hours. This is the worst online bank ever used, they keep telling you they are working it and still no resolution because they know you will keep asking and get tired and then the money will become theirs, these people are scammers and thieves, avoid this bank by all means necessary, I wish I had known earlier. This is my business money and for the past three days, no sales for me and customers are all complaining just because of this useless bank. Karma is what this bank shall Face for all the people they have used this same method to scam, they will surely get their justice
Developer Response
Hi there,Thanks for rating the Kuda App! You can reach us anytime through the in-app chat or by emailing help@kuda.com.We’re here to help!💜
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.
Version 2.002395
The developer, Kuda Technologies Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Location
Data Linked to You
The following data may be collected and linked to your identity:
Location
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Contact Info
Contacts
Identifiers
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
Supported Features
Larger Text
Dark Interface
Differentiate Without Color Alone
Information
Seller
Kuda Technologies Limited
Size
360 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
iPad Requires iPadOS 16.0 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
Languages
English
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
