Earn 50 Kuda Coins on your Tier 3 Kuda account to unlock cashback, discounts, budgeting, and more Premium rewards.

Get cashback every time you pay a bill.
Shop with discounts to spend less on popular brands.
Unlock budgeting, spending reports, and more special features.
With a Tier 3 Kuda account, each transaction worth ₦1,000 or more earns you one coin and an average monthly balance of ₦50,000 earns you 25 coins.
Whether you buy data or a meter token, pay a subscription, or top up your airtime, we’ll always reward you with cashback. To earn more cashback, refer your friends.
Kuda Premium includes discounts from brands you know so you can spend less to get the things you want.
You’ll manage your money better with our budgeting feature and spending reports, and switch up your Kuda app any time with themes and profile picture updates.
The benefits of Kuda Premium are cash-back, referral rewards, discounts for shopping and entertainment, priority customer support, and access to special features like budgeting, spending reports, app themes, avatars, and profile picture updates.
Transfer & Spend
Send money for free to any Nigerian account with 25 free transfers every month.
Internet
Buy internet data from major Nigerian internet service providers easily on your Kuda app.
Airtime
Buy Airtel, Glo, MTN or 9Mobile airtime directly from your account on your Kuda app.