The digital bank built for Nigerians

More from your money, More for your life

Send money fast, spend with confidence,
and save automatically with Kuda.

Download Kuda

Rated 4.8 stars on the App Store

Over 8 million customers

Rated 4.5 stars on Google Play

Awarded ‘Inclusive Financial Product’ 2024 by the CBN

Send

Send money fast, schedule payments, and get 25 free transfers every month.

Send money

Spend

Scan to pay, get a physical or virtual debit card, and earn Kuda Coins as you spend.

Get started

Save

Save automatically with Spend+Save, set savings goals, and earn up to 16% interest.

Start saving

Earn cashback on bills, and access exclusive rewards

Get higher savings rates, budgeting, and more features

Enjoy discounts and perks from popular brands

Spend above your balance with Kuda’s Overdraft

Explore Overdrafts

Invest in top US stocks from as little as ₦20,000

Explore Investments

Get insights to make better money decisions

Upgrade to Premium

Pay bills with less stress

Explore Products and Services

Buy airtime and internet data from any Nigerian mobile network.

Recharge your prepaid meter instantly from all major electricity companies.

Buy gift cards to pay subscriptions and shop around the world.

Switch to more
rewarding banking

Alerts

Free instant notifications

Charge for SMS alerts

Annual savings rates

Up to 16%

Up to 5%

Bill payment fees

Free

Up to ₦100 per bill

Card delivery

Yes

Not always

Card maintenance fees

Free

Up to ₦50 per quarter

Instant reversals

Yes

No

Maintenance fees

No

Yes

Transfer fees

25 free transfers every month

Up to ₦50 plus VAT

Download the app

Join the millions of people who use Kuda to spend, save, borrow, and get more from their money every day.