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Send money for free anytime.

Your Kuda account comes with 25 free transfers to other banks every month. That’s up to 15,000 naira saved on transfers every year.

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Withdraw cash for payments free of charge at over 3,000 ATMs.

Get 25 free transfers on the first day of every month.

Send money free of charge without an account number.

Free transfers will make your life easier.

We believe in moving money quickly and free of charge, so you can count on getting 25 free transfers to other banks every month forever.

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A simpler life

You can't avoid spending. That's how you pay for your needs. Pick up your Kuda card or have us deliver it to your address and never pay a card maintenance fee.

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Need to pay with cash? Withdraw it for free.

Transfers are best but if you need to pay with cash, you can withdraw free of charge with your Kuda Card at over 3,000 ATMs.

Send money without an account number.

There's more than one way to send money for free. Create a Kuda Username for quick transfers to other Kuda Usernames.

Pay online without a debit card.

Pay directly from your Kuda account on online stores with Pay ID, no card needed.

More for you

Airtime

Buy Airtel, Glo, MTN or 9Mobile airtime directly from your account on your Kuda app.

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Loans

Get up to ₦150,000 in your Kuda account easily and repay in convenient instalments.

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Save

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

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Save, spend, send and invest money across borders.

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