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
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
We’re really sorry for how stressful this has been, especially with it affecting your business and customers. We understand how upsetting it is to have a transfer delayed for this long and to feel like you’re not getting the clarity or resolution you need. Your feedback is taken seriously, and we’re sorry for the frustration this experience has caused. We’re here to help!💜
We've been working behind the scenes this month to make the app faster and smoother. Nothing new to show you yet, but everything you already use should feel a little better
Version 3.007
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
522.4 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 is rated 4+ with content restrictions.
Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.