Scheduled Transfers: We made it easier for you to find your saved beneficiaries so you can schedule transfers quicker. Transfers: We made improvements to transfers. Premium: We made it easier to see your cashback rewards on Kuda Premium. Referrals: We fixed a few bugs to improve the referral experience.

Overdraft Improvements If we offer you an overdraft, you can now sign our offer letter on your Kuda app. We made it easier to find your overdraft in the Borrow section. Better Bank Suggestions, Beneficiaries Within Reach Send money quicker with improved bank suggestions that show up as you type, and find your beneficiaries quicker. Improved Referrals, Quicker Virtual Card Requests We redesigned the referral progress bar for easier referral tracking. We made some improvements to the ‘Referral History’ section. Requesting a virtual card now takes fewer steps. Smoother Account Upgrades Upgrading your account to Tier 2 and increasing your transaction limits when you open a Kuda account is now smoother. Clear Card Benefits We redesigned the ‘Get A Card’ section to show you card benefits clearly.

Overdraft Improvements If we offer you an overdraft, you can now sign our offer letter on your Kuda app. We made it easier to find your overdraft in the Borrow section. Better Bank Suggestions, Beneficiaries Within Reach Send money quicker with improved bank suggestions that show up as you type, and find your beneficiaries quicker. Improved Referrals, Quicker Virtual Card Requests We redesigned the referral progress bar for easier referral tracking. We made some improvements to the ‘Referral History’ section. Requesting a virtual card now takes fewer steps. Smoother Account Upgrades Upgrading your account to Tier 2 and increasing your transaction limits when you open a Kuda account is now smoother. Clear Card Benefits We redesigned the ‘Get A Card’ section to show you card benefits clearly.

* For more secure sign-ins, you'll now create a passcode when you're signing up for an account. * Refer Kuda to your friends and family regularly and we'll reward you for your first two referrals every month!

We simplified cashback redemption and we now show available cashback for bill payments. Only available to Premium customers. We fixed a bug affecting gift card purchases when an account is in Safety Mode. We improved transaction reporting. When you run out of free transfers for the month, we’ll now let you know if your account balance can cover your next transfer.

- Say hello to smart budgeting! Create a monthly budget and get timely notifications that’ll help you avoid overspending. - You can now change your card delivery option on the app. - If you’re outside Nigeria, you can: - Create a Euro (EUR) or pounds sterling (GBP) account. - Send GBP or Naira (NGN) to other Kuda accounts. - Convert GBP and EUR to NGN if you have a Naira account. - Add money to your GBP or EUR account through Open Banking.

- Say hello to smart budgeting! Create a monthly budget and get timely notifications that’ll help you avoid overspending. - You can now change your card delivery option on the app. - If you’re outside Nigeria, you can: - Create a Euro (EUR) or pounds sterling (GBP) account. - Send GBP or Naira (NGN) to other Kuda accounts. - Convert GBP and EUR to NGN if you have a Naira account. - Add money to your GBP or EUR account through Open Banking.

* The new Overdraft is here, with minimum monthly repayments and monthly overdraft statements for convenient long-term use. * We made transaction history better, so you can find old transactions quicker and track your spending more easily. * Opening a new Kuda account is now quicker with one less signup step. * We improved Kuda Premium and added Kuda Plus, a new rewards tier with benefits you’ll love.

* You can now see the status of a transaction in real time. * You’ll get notifications to help you stay on track with your overdraft repayment(s).

* You can now see the status of a transaction in real time. * You’ll get notifications to help you stay on track with your overdraft repayment(s).

* Share receipts from the ‘Done’ screen immediately after a payment. * We added transfer categories for more accurate spending reports and better financial planning. * If you’re on Premium, you can now create, upload, and download your own Kuda-themed avatars! We also added instant notifications for Kuda Coin and cashback earnings. * We added digital address verification to speed up account upgrades.

• Open an account with NIN • Statements for Savings or Spend and Savings • Safety Mode pauses overdraft access if there’s a device change • Three virtual cards requests every three months • See outstanding payments before token purchases • Cashback paid into your Spend account • Better in-app search • See recent purchases

Behind the scenes, we’ve made several improvements to make your experience even smoother.

Behind the scenes, we’ve made several improvements to make your experience even smoother.

• You can now request that we resend your overdraft offer letter. • We made it easy to download overdraft statements any time. • We made minor improvements to the overdraft reactivation screen.

- You can now add a beneficiary from the details of a transaction. - We improved account upgrade messaging and simplified upgrade information.

Overdraft Improvements: • New overdrafts now show the overdraft history and statement. • New overdrafts now include the minimum repayment and the repayment due date.

• We added more features to Safety Mode to improve your security and protect you from fraudulent activities. • You can now get notified when your card is expiring and renew it easily without service disruption.

• Faster ways to recover your account. • If you own the account and have access to the email, you'll have to reset your password. • If you own the account but don't have email access, you'll verify your identity with personal details and a selfie, update your email, and we'll delete any duplicate profiles. • If the account doesn't belong to you, you'll need to talk to our support team. • You can now lock your fixed deposit account until maturity and earn 10-12% interest per annum. • Your electricity receipts now include your address.

- New overdrafts now show the overdraft history and statement. - New overdrafts now include the minimum repayment and the repayment due date.

• You can now buy virtual SIMs for global use on your smartphones, tablets, and smartwatches, allowing you to use mobile data plans anywhere in the world. • We made it easier to spot and correct any data mismatches between your BVN and NIN by showing you both sets of data. • We made general improvements to the ‘Borrow’ section of the app.

• You can now buy virtual SIMs for global use on your smartphones, tablets, and smartwatches, allowing you to use mobile data plans anywhere in the world. • We made it easier to spot and correct any data mismatches between your BVN and NIN by showing you both sets of data. • We made general improvements to the ‘Borrow’ section of the app.

• You can now buy virtual SIMs for global use on your smartphones, tablets, and smartwatches, allowing you to use mobile data plans anywhere in the world. • We made it easier to spot and correct any data mismatches between your BVN and NIN by showing you both sets of data. • We made general improvements to the ‘Borrow’ section of the app.

• Send to Username is now Send to Kuda, with expanded options (including account number, phone number, friend’s name and username) for instant transfers between Kuda users! • If there’s ever any kind of downtime, we’ll let you know on the app’s sign-in screen as well as through an in-app message. We won’t keep you in the dark. • We improved the Inbox feature and some other parts of the app experience.

• We improved the Investment feature. If you haven’t tried it, now’s a good time. • You can now see if a beneficiary bank has a downtime or not before you make a transfer. • We retired cardless ATM withdrawals. • You can now use a bank statement that shows your current address as proof of address.