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United KingdomComplaints

Complaints

A guide to Making a Complaint

At Kuda UK we aim to provide great products and excellent service to our customers. However, we know that sometimes things can go wrong and that you may have cause to complain. If you have a complaint, then please let us know as soon as possible.

We will do our very best to resolve your complaint as soon as you get in touch with us:

By email: complaintuk@kuda.com

By post: Complaint Manager, Kuda EMI Limited, 5 New Street Square, London, United Kingdom, EC4A 3TW

Investigating your complaint

We aim to resolve your complaint within 3 working days following the receipt of your complaint. Once an agreed resolution has been reached, we will confirm details in writing to you in a final resolution letter.

However, there may be occasions when it will take longer to respond to your complaint. If this happens, we will send you an acknowledgement within 5 business days. This acknowledgement will include the name and contact details of the person handling your complaint, this may not be the same person who received your complaint.

In the unlikely event that we have not resolved your complaint within four weeks we will write to you to advise the reason why and when we expect to resolve it. We aim to send you a final response within 35 working days of your original complaint.

The Financial Ombudsman Service (FOS)

The FOS is an independent complaint resolution service that was set up to resolve complaints between financial businesses and their customers.

If you are dissatisfied with our response to your complaint, you have the right to contact the FOS, free of charge, but you must do so within six months of the date of our final response letter. If you do not refer your complaint in time, the FOS will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.

The FOS contact details are:

By telephone: Freephone number is 0800 023 4567 or 0300 123 9123 from a mobile

By email: complaint.info@financial-ombudsman.org.uk

By Post: The Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Visit their website: https://www.financial-ombudsman.org.uk

You must refer your complaint to the Financial Ombudsman within 6 months of the date on the final response.

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Products may vary by country or market.

Contact

help@kuda.com

Lagos

1-11 Commercial Avenue, Yaba, Lagos,
Nigeria

London

5 New Street Square,
London, EC4A 3TW,
United Kingdom

Cape Town

146 Campground Road,
Snakepit Building, Level 4, Newlands, Cape Town

Canada

3080 Yonge Street,
Suite 6060, Toronto,
Ontario M4N 3N1

© 2025 Kuda Technologies Ltd (Company No.11472232). All rights reserved.

If you would like to find out more about which Kuda entity you receive services from, please reach out to us via the in-app chat in the Kuda app. Nigerian banking services offered by Kuda Microfinance Bank (RC796975) with registered address at 1-11 Commercial Avenue, 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.

Canada services will be provided by Kuda Canada Technologies Limited, an Ontario corporation registered under number 1000286176, with its registered address located at 3080 Yonge Street, Suite 6060, Toronto, Ontario M4N 3N1. Kuda Canada Technologies Limited is duly registered with The Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a money service business, bearing registration number M23163015.

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