Kuda - Free transfer & payment 4+

Pay, save & invest money

Kuda Technologies Limited

Designed for iPad

    • Free



Welcome to the money app for Africans!

Open a Kuda account today and join over 7 million people who use Kuda for easy banking, investments through a stock trading account, savings and on-the-go payments.

Kuda is the smart way to do your banking every day, pay, make free money transfers, invest and manage your money on your phone. Download the Kuda banking app, open a Kuda bank account on your phone, add money and request a Kuda Visa card.

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 automatically. Download the Kuda banking app today to pay, save and invest!

Kuda is licensed by the Central Bank of Nigeria.

Why Should You Get Kuda?

- Open a bank account for free in minutes, start banking and pay easily immediately.

- Make money transfers to any Nigerian bank for free up to 25 times every month (Nigeria users only).

- Pay online and offline with secure payment options.

- Create a Kuda Username to make unlimited free money transfers within the Kuda community without a bank account number!

- Set up a trading account on the app to invest in US stocks (Nigeria users only).

- Request a virtual and physical Kuda Visa card with pickup and nationwide delivery options. (Nigeria users only.)

- Save money easily with our automated savings features and get up to 8% annual interest! (Nigeria users only.)

- Pay across borders with money transfers to Nigeria from the UK at competitive rates. (UK users only.)

- Pay bills and buy airtime for all major networks. (Nigeria users only.)

Open A Free Account Now

We know your money is important to you, so we won’t charge you unnecessary bank fees for banking with us.

Watch Your Money Grow

- Banking is more rewarding with Kuda! Save a lump sum or set a percentage to save periodically and we'll pay you up to 8% annual interest on your savings, so your money keeps making money. (Nigeria users only.)

- You can also save every time you pay directly from your Kuda bank account with Kuda Spend+Save. It's the smartest way to save! (Nigeria users only.)

- Invest in US stocks with a trading account. Trading services are provided by a third party. (Nigeria users only.) Disclaimer: Invest wisely! The value of stocks fluctuates and stock trading involves possible loss of capital.

- Pay subscriptions with gift cards for the top streaming services. Shop internationally and pay with gift cards for the most popular online stores.

Your Money Is Safe At Kuda

- We know debit cards go missing sometimes, which is why you can block your card on the app (and unblock it if you find it).

- Banking is personal. Use Private Mode to hide your account balance from prying eyes.

- If you need help, you can chat with us on the app or send a message to help@kuda.com anytime.

Switch To Kuda In Two Easy Steps:

1. Open your account: Download Kuda and open a Kuda bank account on your phone.

2. Add money to your account: Send money to your Kuda bank account from any other bank’s app or through internet banking or move money from your debit card.

For more information about Kuda, please go to kuda.com.

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

Download the Kuda banking app now to bank, save money, invest with a trading account and pay!

Nigerian banking services are offered by Kuda Microfinance Bank (RC796975), with registered address at 151 Herbert Macaulay Way, Yaba, Lagos, Nigeria. Kuda Microfinance Bank is licensed by the Central Bank of Nigeria. Deposits are insured by the Nigerian Deposit Insurance Corporation (NDIC).

UK services are offered by Kuda EMI Ltd (Company No. 13724208) with registered address at 5 New Street Square, London, EC4A 3TW, United Kingdom. Kuda EMI Ltd is a Distributor of Modulr FS Limited. Modulr FS Limited (Company No 09897919), is regulated by the Financial Conduct Authority for issuance of electronic money under reference 900573.

What’s New

Version 2.002346

• Extended Safety Mode: For extra security, transactions will now require confirmation with a code after a device change.

• Change in Account Tiers: Upgrading an account to Tier 3 now requires uploading proof of address followed by physical verification of the house address linked to the account. Account balances above the balance limit for Tier 2 will be allowed until May 31, 2024.

Ratings and Reviews

4.7 out of 5
174K Ratings

174K Ratings

melachibisk ,

Kuda Bank is a good Bank though it’s fast but I’m so disappointed in their customer service.

I made a withdrawal on a Pos machine and I was debited 4 times and I made a complaint to their email they told me they will get back to me and then only reverse half of the money it’s been one month am still writing to them for the complete money but they are not working on anything they are just replying with one particular text and it’s really annoying please send me my complete money for God sake I’ve been enjoying Banking with you guys not until this incident and it’s been 1 month you guys told me you reverse the complete money in 10 to 12 days and it’s already one month now… am really disappointed I wish I you have a branch in Benin I’ll just go straight and tell your customer service they’re not trying … this is so annoying I go come da beg una for my money again?

Makaveli Thugger ,

Poor customer service

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?

Samchriss01 ,

About the upgrade and a failed POS transaction

Well this my second year of using Kuda and I have made friends used it to but recently Kuda has been terrible ever since the upgrade. I made a transaction of 4950 on 12th November with a POS and the payment declined from the POS but I was debited and till date I still haven’t gotten a refund. I have been chatting the customer service but I didn’t get a response, Usually it doesn’t take Kuda to refund a decline payment within 30minutes but this time I don’t understand. All my friends that I referred to Kuda Omo last last they don move their money and they deleted the app because how can a bank app be acting as if the want to crash and run with people’s money. I’m the only one still using the app and not because you guys haven’t refunded my money but because I know Kuda can’t crash because it’s registered to CBN but my friends don’t understand that and they have to just leave you guys for now.

App Privacy

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
  • Other Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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