Kuda - Free transfer & payment

Get more with Kuda!

Join over 7 million people who use Kuda for easy banking, stock trading, savings, and on-the-go payments.

Kuda is the smart way to get more from your money every day. Download the Kuda banking app, open an account on your phone in minutes, add money, and request a Kuda Card.

Earn 50 Kuda Coins with a Tier 3 Kuda account to unlock Kuda Premium rewards! You'll get cashback, discounts, priority customer support, and special features like budgeting, app themes, and profile picture updates. Terms and conditions apply.

Make banking easier for yourself. Get 25 free money transfers to any Nigerian bank every month, pay online and offline easily, invest, and save money.

Kuda is licensed by the Central Bank of Nigeria, with deposits insured by the NDIC.

Why Should You Use Kuda?

Open a bank account for free in minutes and make easy payments immediately.

Make money transfers to any Nigerian bank free of charge up to 25 times every month (Nigeria users only) and get free debit and credit alerts.

Earn Kuda Coins to unlock Kuda Premium rewards - cashback, discounts from popular brands, priority support, budgeting, spending reports, app themes, and profile updates (Nigeria users with Tier 3 accounts only, terms and conditions apply).

Pay online and offline with secure payment options.

Create a Kuda Username to make unlimited free money transfers within the Kuda community without using an account number.

Set up a trading account on the app to invest in US stocks (Nigeria users only).

Request a Kuda card with pickup and nationwide delivery options. (Nigeria users only.)

Request a virtual card to pay online. (Nigeria users only.)

Save money easily with Pockets, our automated savings feature, and get up to 14% annual interest! (Nigeria users only.)

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. (Nigeria users only.)

Open A Free Account Now

We won't charge you unnecessary bank fees for banking with us.

Watch Your Money Grow

Save a lump sum or set a percentage to save periodically and we'll pay you up to 14% annual interest, so your money keeps making money. (Nigeria users only. Terms and conditions apply.)

Save every time you pay directly from your Kuda bank account with Kuda Spend+Save. (Nigeria users only.)

Invest in US stocks with a trading account (Nigeria users 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.

Your Money Is Safe At Kuda

Block your card on the app instantly (and unblock it if you find it).

Use Private Mode to hide your account balance any time.

Need help? Chat with us on the app or send a message to help@kuda.com
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Switch To Kuda In Two Easy Steps:

Open an account: Download Kuda and open a bank account on your phone.

Add money: Send money from any other Nigerian bank or move money from your debit card.

Learn more about Kuda at kuda.com.

Spend smarter, save, and get more from your money with Kuda.

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!

When you buy an electricity token, it now shows up on the confirmation screen. If token delivery is delayed or fails, we’ll send you a notification.

Your electricity receipt now includes meter ID, owner name, and address.

VAT and transfer fees now show separately on your transfer receipts, transaction details, and bank statements.