Kuda - Free transfer & payment

Welcome to the money app for Africans!

Open a Kuda account today and join over 7 million people who use Kuda for easy banking, investments through a stock trading account, savings and on-the-go payments.

Kuda is the smart way to do your banking every day, pay, make free money transfers, invest and manage your money on your phone. Download the Kuda banking app, open a Kuda bank account on your phone, add money and request a Kuda Visa card.

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 automatically. Download the Kuda banking app today to pay, save and invest!

Kuda is licensed by the Central Bank of Nigeria.

Why Should You Get Kuda?

- Open a bank account for free in minutes, start banking and pay easily immediately.

- Make money transfers to any Nigerian bank for free up to 25 times every month (Nigeria users only).

- Pay online and offline with secure payment options.

- Create a Kuda Username to make unlimited free money transfers within the Kuda community without a bank account number! 

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

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

- Save money easily with our automated savings features and get up to 8% annual interest! (Nigeria users only.)

- Pay across borders with money transfers to Nigeria from the UK at competitive rates. (UK users only.)

- Pay bills and buy airtime for all major networks. (Nigeria users only.)

Open A Free Account Now 

We know your money is important to you, so we won’t charge you unnecessary bank fees for banking with us.

Watch Your Money Grow

- Banking is more rewarding with Kuda! Save a lump sum or set a percentage to save periodically and we'll pay you up to 8% annual interest on your savings, so your money keeps making money. (Nigeria users only.)

- You can also save every time you pay directly from your Kuda bank account with Kuda Spend+Save. It's the smartest way to save! (Nigeria users only.)

- Invest in US stocks with a trading account. Trading services are provided by a third party. (Nigeria users only.) Disclaimer: Invest wisely! The value of stocks fluctuates and stock trading involves possible loss of capital.

- Pay subscriptions with gift cards for the top streaming services. Shop internationally and pay with gift cards for the most popular online stores.

Your Money Is Safe At Kuda 

- We know debit cards go missing sometimes, which is why you can block your card on the app (and unblock it if you find it).

- Banking is personal. Use Private Mode to hide your account balance from prying eyes. 

- If you need help, you can chat with us on the app or send a message to [email protected] anytime.

Switch To Kuda In Two Easy Steps:

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

2. Add money to your account: Send money to your Kuda bank account from any other bank’s app or through internet banking or move money from your debit card.

For more information about Kuda, please go to kuda.com.

Spend smarter, save more and get the most out of your money with Kuda.

Download the Kuda banking app now to bank, save money, invest with a trading account and pay! 

Nigerian banking services are offered by Kuda Microfinance Bank (RC796975), with registered address at 151 Herbert Macaulay Way, 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. Kuda EMI Ltd is a Distributor of Modulr FS Limited. Modulr FS Limited (Company No 09897919), is regulated by the Financial Conduct Authority for issuance of electronic money under reference 900573.