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    • Discover Business
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Nigeria
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FAQs
FAQs

Send money for free, every day.

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.

Join Kuda
kuda Microfinance Bank Savings, Spend, Budgeting.

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.

Kuda debit card =
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.

Learn More About Cards

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.

Learn more

Loans

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

Learn more

Save

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

Learn more

The money app for Africans.

Save, spend, send and invest money across borders.

Join Kuda

Personal

  • Discover Personal
  • Transfer & Spend
  • Save
  • Investments
  • Kuda card
  • Loans
  • Overdrafts

Business

  • Discover Business
  • Business Registration
  • softPOS
  • Invoicing
  • POS Machine
  • Business Loan
  • Business API
  • Join Kuda Business

Company

  • Blog
  • Press
  • Join Our Team
  • About Us

Help

  • Get Help
  • Scam Awareness
  • FAQs
  • Security
  • Contact Us
  • Self Help

Transparency

  • Terms & Conditions
  • Privacy Policy
  • Information Security Policy
  • Cookie Policy
  • Whistleblowing Policy
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

© 2025 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.

Kuda.

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