Get a chance to qualify for an overdraft when you use your Kuda account actively.

With a Kuda overdraft, you can spend above your Kuda account balance up to a limit at a low interest rate of 0.23% - 0.8%

Get money for your urgent needs easily.

Spend above your account balance.

Take an overdraft at a low daily interest rate of 0.23% - 0.8%.

Get money for urgent needs easily without paperwork.

Using your Kuda account as your main bank account gives you an automatic chance to qualify for a Kuda overdraft.

A Kuda overdraft is extra money you can use any time you don’t have enough in your account.

Overdrafts are easy to take and paying back is as easy as adding the amount due to your Kuda account.

How do I qualify for a Kuda overdraft?

For a chance to qualify for a Kuda overdraft, use your Kuda account actively as your main bank account.

How much overdraft can I take?

Can I change my overdraft limit?

What’s the difference between an overdraft and a loan?

Loans

Get instant loans up to ₦150,000 in the Kuda loan app easily in Nigeria without paperwork.

Save

Make saving easier with Spend+Save, Pocket or Fixed savings with up to 12% annual interest.

Transfer & Spend

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

Save, spend, send and invest money across borders.

Kuda.