The money app for Africans.

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

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

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

Image 1
Image 2
Image 3
Image 4

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 15%
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 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
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

*Kuda Customers get 25 free transfer to other banks every month. Extra transfers to other banks cost ₦10 each.
**Kuda account holders can deposit money in over 10,000 branches across Nigeria for free.

© 2024 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.