The money app for Africans.

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

Fully Licensed by CBN CBN logo

Deposits Insured by NDIC logo

Order a Kuda Visa 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

Send to @username

Send to Bank Account

Buy Airtime

Pay A Bill

Gift Cards

Web Payment

As You Want

Spend + Save

Frequently

Fixed Deposit

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

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!

A M

Ahmed Mahmud

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

A A

Abdulmalik Abdulmalik

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!!

A K

Abdurrahman Khalid

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

Nafi'u Ishaq

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

F A

Fatima Aminu

U A

Usman Adamu

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 notification
Annual Interest	4%	Up to 15%
Bill Payment Fee	Up to $100 per bill	No
Instant Reversal	😒	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.

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Transfer & Spend

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

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Loans

Get up to ₦150,000 in your Kuda account easily and repay in convenient instalments.

Learn more

The money app for Africans.

Save, spend, send and invest money across borders.

Personal

Business

Company

Help

Transparency

Contacts

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