• Personal

    • Discover Personal
    • Transfer & Spend
    • Save
    • Investments
    • Kuda Card
      PAYMENTS
    • Electricity
    • Airtime
    • Internet
    • Gift Cards
    • Cardless Payments
    • TV
    • Betting
    • Transport
    • CREDIT
    • Overdrafts
    • Loans
  • Business

    • Discover Business
    • Business Registration
    • Kuda Payroll
    • Business API
    • Payroll with Bento
    • Expense Accounts
    • Expense Cards
    • Cashback
      PAYMENTS
    • Send Money
    • TV
    • Airtime & Internet Data
    • Electricity
    • Bill Payments
    • CREDIT
    • Business Loan
    • COLLECTIONS
    • softPOS
    • Invoicing for Business
    • POS Machine
    • Virtual POS
  • Company

    • Blog
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    • Join Our Team
    • About Us
  • Help

    • Get Help
    • Scam Awareness
    • FAQs
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    • Contact Us
    • Self Help
Sign InJoin Kuda
United Kingdom
Nigeria
Terms & Conditions
Terms & Conditions
Policies
Privacy Policy
Complaints
Cookie Policy
FAQs
FAQs

The money app for Africans.

Make free transfers, enjoy cashless payment options and earn interest on your savings with Kuda.

Order a Kuda card on the app with pickup and delivery options.

Enjoy cashless payment options online and offline.

Pay your essential bills and buy gift cards easily.

Get 25 free transfers to Nigerian banks every month.

Save money automatically any time you spend.

Your phone +
our app +
a debit card =
a simpler life.

We designed a money app for your lifestyle, and you can get a debit card to go with it. That's all you need to make the right money moves.

Open An Account in Minutes

It’s your money, we just help you manage it.

Save it, spend it, send it. It’s up to you. Whatever you choose to do with your money, we’ll make sure it’s done better and free of charge. We take responsibility for that.

Save money as you spend it, seriously.

You can’t avoid spending. That’s how you pay for your needs. But we can help you put money away every time you pay for something. Just set a percentage to save and watch your money grow.

See all our Savings

Turn off access, turn on safety.

Life happens. Milk spills. Debit cards go missing. If that ever happens, you can block your missing card on the app so no one can use it. We’d like to see them try.

Learn more about Cards

We’re always happy to help you.

You can chat with us on the app, slide into our DMs, tweet, leave an Instagram comment, send an email or call. However you choose to reach out, there’ll always be a friendly person there to make your life easy.

Get Help

Fees as clear as glass.

We’re serious about free banking, and we will never, ever charge you for anything without your consent.

See all our fees

Don’t just take our word for it

Well done to the guys at @kudabank had a dispensing error on Friday night and reached out to them on Sunday... 48 working hours after and my money is back in my account... Special shout out to Maxwell and Norah

Mu'azu Muhammad Kudu

Just joined the best Digital Bank in Nigeria
I have no complaints whatsoever since i started using Kuda

T

Tomisinv

Never thought an app would stylish become my everyday way to bank and have access to physical cash.
@kudabank is sleek

Babajide Duroshola

This is the best banking app! I’m enjoying seamless banking plus the free transfers to other banks is a thing of joy. This is what I call freedom. I’ve made kuda my main bank account and I’m gonna refer all my friends!

@RealSOK_

I like the fact that kuda Microfinance Bank doesn’t only run a no fee policy and 25 free transfers in a month but you can only create a budget plan to control your spending pattern. Really really nice!!

Adebambo Oyekan

I highly recommend this app, it does what it says "The bank of the free". I have received my kuda card.

I

Ifeanyichukwu Obaji

Well done to the guys at @kudabank had a dispensing error on Friday night and reached out to them on Sunday... 48 working hours after and my money is back in my account... Special shout out to Maxwell and Norah

Mu'azu Muhammad Kudu

Just joined the best Digital Bank in Nigeria
I have no complaints whatsoever since i started using Kuda

T

Tomisinv

Never thought an app would stylish become my everyday way to bank and have access to physical cash.
@kudabank is sleek

Babajide Duroshola

This is the best banking app! I’m enjoying seamless banking plus the free transfers to other banks is a thing of joy. This is what I call freedom. I’ve made kuda my main bank account and I’m gonna refer all my friends!

@RealSOK_

I like the fact that kuda Microfinance Bank doesn’t only run a no fee policy and 25 free transfers in a month but you can only create a budget plan to control your spending pattern. Really really nice!!

Adebambo Oyekan

I highly recommend this app, it does what it says "The bank of the free". I have received my kuda card.

I

Ifeanyichukwu Obaji

Our Partners

Choose the freedom you need.

Other Banks

Transfer Fee

Up to ₦50 plus V.A.T.

25 free transfers every month

Card Delivery

Yes

Card Maintenance Fee

Up to ₦50 per quarter

No

Alerts

Charge for SMS alerts

Free instant notifications

Annual Interest

4%

Up to 12%

Bill Payment Fee

Up to ₦100 per bill

No

Instant Reversals

Yes

Maintenance

Yes

No

More for you

Kuda Business

Grow your business with our all-in-one business manager. Get a POS, bulk transfers, payroll and more.

Learn more

Transfer & Spend

Send money for free to any Nigerian account with 25 free transfers every month.

Learn more

Loans

Get instant loans up to ₦150,000 in the Kuda loan app easily in Nigeria without paperwork.

Learn more

The money app for Africans.

Save, spend, send and invest money across borders.

Join Kuda

Personal

  • Discover Personal
  • Transfer & Spend
  • Save
  • Investments
  • Kuda card
  • Loans
  • Overdrafts

Business

  • Discover Business
  • Business Registration
  • softPOS
  • Invoicing
  • POS Machine
  • Business Loan
  • Business API
  • Join Kuda Business

Company

  • Blog
  • Press
  • Join Our Team
  • About Us

Help

  • Get Help
  • Scam Awareness
  • FAQs
  • Security
  • Contact Us
  • Self Help

Transparency

  • Terms & Conditions
  • Privacy Policy
  • Information Security Policy
  • Cookie Policy
  • Whistleblowing Policy
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.

Kuda.

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