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.)

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