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FAQs

Get more with Kuda Premium.

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

Unlock Premium

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.

Earn 50 Kuda Coins to unlock Premium.

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.

Unlock Premium

It pays to pay your bills on Premium.

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.

Unlock Premium

Get more for your money with Premium discounts.

Kuda Premium includes discounts from brands you know so you can spend less to get the things you want.

Unlock Premium

Enjoy exclusive access to the best of Kuda.

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.

Unlock Premium

Kuda Premium FAQs

What is Kuda Premium and what are the benefits?
Kuda Premium is the highest level of our rewards program. It’s open to anyone who has a Tier 3 Kuda account (an account with a BVN, an NIN, and a verified address).

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.

How do I unlock Kuda Premium?
You unlock Kuda Premium by earning 50 Kuda Coins within a month.
How do I earn Kuda Coins?
You’ll earn one Kuda Coin when you make a transaction worth ₦1,000 or more. This could be a transfer, a bill payment, or an airtime purchase. We’ll send you the coin 24 hours after the transaction.You’ll earn 25 Kuda Coins if you maintain an average account balance of ₦50,000 for a month.
What rewards will I get on Kuda Premium?
On Kuda Premium, you’ll get rewards including cashback, 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.
How do I stay on Kuda Premium?
To stay on Kuda Premium every month, earn at least 50 Kuda Coins monthly.
Do Kuda Coins expire?
If you don’t earn up to 50 Kuda Coins in a month, any coins you earn during that month will expire at the end of the month.
Can I exchange my Kuda Coins for money?
No, you can’t exchange your Kuda Coins for money. After earning 50 coins in a month, all other coins you earn that month will automatically be converted to cashback.

More for you

Transfer & Spend

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

Learn more

Internet

Buy internet data from major Nigerian internet service providers easily on your Kuda app.

Learn more

Airtime

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

Learn more

The money app for Africans.

It only takes a few minutes to start enjoying free benefits. Download Kuda on Google Play or the App Store.

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

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).

Canada services will be provided by Kuda Technologies Canada 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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