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 help@kuda.com
Honestly I’ve enjoyed the app for the couple months I’ve been using it. I love the way transactions between you and someone is rendered like a chat. I do prefer the 3 free transfers per day in some other banks to this 20+ per month here. The issue people complained about not getting a refund when a transfer did not reach the receiver, I haven’t experienced it. Anytime I make a transfer and it doesn’t reach the receiver, my money is always refunded in a few minutes. So maybe the issue has been fixed. I haven’t had any interaction with their customer support so I can’t say anything about that. But I’ve had this issue for a long time and it has now become really annoying, and is the reason I’m making this review. When I try to login, I use Face ID and if it fails twice, it should let me use my pin to login right? But it doesn’t and says authentication failure and I have no option but to sign out and sign in, I’ll have to be inputing gmail again. Pls fix this issue
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!💜
Stupidest bank in Nigeria, even zenith better pass una
desireedevie
Kuda is a very stupid bank honestly if you’re planning to use this bank don’t do it cuz you will only regret it, cuz most people will be like kuda is the best bank that’s because they haven’t shown you pepper, that was how i was going about saying that rubbish until it actually happened to me, i made transfer of 40k and the transfer showed successful in my kuda app but the other person did not receive the money, i tried calling kuda bank to reverse the money back to my account the number was not connecting, i even dm them on instagram, Facebook, Twitter even on mail, I didn’t get a reply from them, remember kuda is a bank that their office is only in lagos, we that are not staying in Lagos the only way we can reach them is through online and in my case they are not replying, so I would advice u it’s better to use normal commercial banks, cuz they have branches everywhere and at least you can go to their branch to vent everyday until they reverse the money, but in kuda bank who you wan vent give, kuda bank was my savings bank but i have moved all my money from that bank, cuz I wouldn’t want to fall victim of that again, let he that have ears here, don’t wait till it happens to you before you learn with regret in your heart. And plus i did my research and discovered that so many persons are victim of this, even people that up to 2 million was debited and the money was not returned, right now me and some group of people are looking for ways to drag them down on social media for their fraudulent activities.
KUDA IS A SCAM!!!
Christopher Nicky
Kuda bank is becoming a more frustrating bank to bank with. They don’t pick up their customer care line one bit, they don’t reply on their social media platforms as well. On the 1st of December I used my card on a POS and the transaction was declined yet I was debited. I’ve requested for a reversal multiple times and even reached out to the help center on the app, they keep sending me fake mails that the matter is in progress but till date nothing has been done and up till today I haven’t gotten the money back. I keep trying to reach out yet no body takes care of my complaint. This is a very unreliable app and I don’t feel like my money is safe with them. I advice you all who is planning to bank with them to RUN AWAY because you will surely complain just like me and every other customer complain here. KUDA IS A SCAM !!!!
Developer Response
Hi Christopher, We're sincerely sorry for the inconvenience this may have caused you and the delay in responding to your complaint. if you have send a mail to help@kuda.com or an in-app message ,please share with me your email address to enable us follow-up with the resolution of your complaint, ? We look forward to your response. Your Kuda isn't going anywhere and your money is safe and secure in your account. We are always available to provide answers to your concerns at all times. Thank you 💜
Poor customer service
Makaveli Thugger
This bank is becoming worse by the day, it’s literally impossible to get hold of their customer care unit, you click on the send us a message on the app it takes you to a link you’ll read articles which doesn’t solve any problems: I want to talk to the customer care, a real human being that can understand the problems with my account and get it solved but they won’t let you do that and the in-app support team is always unavailable. How can I have a bank that I can’t talk to customer care? An online bank that doesn’t have a branch in the whole of edo state, now I sent money to someone and it’s been 24 hour he hasn’t received the payment and I haven’t got a refund as well, nobody to talk to, the other guy has called his bank and they told him no money came through, my so called bank won’t give me the option to even talk to them. Taking me yo read articles that might be of help.The (report this an issue with this payment) option on the app is useless, it doesn’t click, you try to click it and it won’t click, you can’t chat with customer care, you can’t repost transactions, which kind bank be this?
Meet the new Kuda app, built for more.
We now have a fresh look. Nothing you love has gone away, we just made everything easier to find.
On your redesigned home screen, you can:
See a quick summary of your savings and investments
Find Cashback and Offers more easily
Send money and pay bills in fewer steps
Search for anything on the app
See and manage all your cards
Save, invest and borrow on dedicated pages
Tap the three dots next to your account balance for quick actions
Version 3.0
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 based, for example, 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 Colour Alone
Information
Provider
Kuda Technologies Limited
Size
383.5 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 is not 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, and may therefore be restricted and managed by the developer through in-app controls.
