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FAQs

How Kuda Protects You

Your Identity Documents

We ask everyone who opens a Kuda account to give us their BVN (Bank Verification Number) and a valid ID issued by the government (driver’s license, voter’s card, national ID card or NIN slip). This helps us prevent identity fraud by confirming that everyone who uses Kuda, including you, is who they say they are.

Your Facial Identity

It’s mandatory for anyone opening a Kuda account to take a photo of their face during the account opening process so that we can confirm they’re opening the account themselves. This also helps prevent identity fraud.

Your Password

When you’re opening your Kuda account, we ask that you create a password (with any combination of letters, numbers and special characters) to secure your account. We may ask for your password to authorise any changes you make to your account information.

Your PINs

Every Kuda account is secured with a unique six-digit PIN that only the account holder should have access to. You can’t use your Kuda account without first setting your sign-in PIN. Your transactions on the app are also secured with a transaction PIN, and your Kuda Card has its own four-digit PIN.

Biometrics

The Kuda app is enabled for biometrics (fingerprint and Face ID options) to add an extra layer of security when you’re signing in to the app or authorising transactions, if your device has a fingerprint scanner or Face ID.

Confirming Your Unsaved Beneficiaries

When you’re sending money to a beneficiary you haven’t saved, we ask you to confirm that you’re sure you want to make the transfer. We do this to give you some time to double check that you’re not being scammed - completed transfers are almost impossible to reverse.

Transaction Alerts

We send you real time alerts (in the form of app notifications and emails) for transactions on your account. This keeps you up to date on what’s happening with your money.

Card Control

On the Kuda app, you can choose where your Kuda Card works - POS, online and/or ATM. If your card is missing or you suspect that it has been stolen, you can block or cancel your card on the app so that no one can use it.

3D Secure (3DS) Card Payments

3D Secure is an extra layer of security for card payments you make online. When paying with your card online, we’ll send you a code by SMS and/or email to authorise the payment.

Your Personal Information

We use the highest level of encryption to protect your personal information including your identity and confidential account details. We don’t share your information with unauthorised third parties, we would never sell your information and we don’t use your BVN to access any other bank account(s) you may have.

Insuring Your Money

We insure all deposits you make into your Kuda Microfinance Bank account with the National Deposit Insurance Commission (NDIC).

If you make an insurance claim on a deposit and the claim is successful, the Deposit Insurance Fund of the NDIC is expected to pay you up to 200,000 naira in compensation.

Frequently Asked Questions

I’m not sure I made a card transaction I was charged for.

If you’re not sure you made a card transaction you were charged for, please block your card on the app immediately.

Before you reach out to us about the transaction, please take these steps:

1. Confirm that the merchant or vendor’s name isn’t actually correct. Some merchants use a different name on their POS terminals or online payment gateways. Search for the name on the transaction online to be sure.

2. Confirm that you haven’t subscribed to any free trial that has expired and become a paid subscription.

3. Confirm that you don’t have any recurring online payments that you’re charged for automatically. You may have added your card to one or more apps that charge you at regular intervals eg. Netflix, Spotify or Apple Music.

If you’re still not sure about the card transaction, please call 0700022555832 or send an email to fraud@kuda.com or help@kuda.com

My card is missing or has been stolen.

If your Kuda Card is missing or you suspect it has been stolen, please block it on the app immediately.

You can unblock your card if you find it, or you can cancel it and request a replacement card on the app.

If you can’t access the app to block your card, please call 0700022555832 or send an email to help@kuda.com immediately.

I’m being asked to pay some money quickly. What should I do?

Scammers often try to create panic and pressure their victims into making a payment without thinking carefully first.

If you’re not sure of the person or organisation asking you to pay or you suspect that they could be a scammer, please don’t make the payment.

Instead, send the account details of the person or organisation to fraud@kuda.com and we’ll look into them for you.

How can I spot a payment scam before it happens?

Payment scams take several forms. Some of the most common ones include:

1. A text message or an email asking you to click or tap a link to update your account information.

2. A text message, an email or a phone call asking you to pay to get a Kuda Overdraft.

3. A text message, an email or a phone call asking you to share confidential account details like your password, PIN or Pay ID.

4. An unknown or unverified merchant or vendor asking you to pay before receiving your order.

Generally, any text message, email or phone call about your Kuda account that you cannot confirm is from us is definitely dangerous and must be ignored.

If you are in doubt about any text message, email or phone call, please call 0700022555832 or send an email to fraud@kuda.com or help@kuda.com before taking any other action.

How do I report a suspected scam?

If you’re not sure about any transaction on your account or you suspect you have been scammed, please call 0700022555832 or send an email to fraud@kuda.com or help@kuda.com immediately.

Please, don’t post details of suspected scams or suspicious transactions on social media because we will not be able to respond to you there for security reasons. Instead of posting on social media, please reach out to us directly by phone or email, or chat with us on the app.

Please, note that when you report a suspicious transaction or a suspected scam, we’ll lock your account temporarily to protect your money while we investigate your report.

The money app for Africans.

Save, spend, send and invest money across borders.

Join Kuda

Personal

  • Discover Personal
  • Transfer & Spend
  • Save
  • Investments
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  • Overdrafts

Business

  • Discover Business
  • Business Registration
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  • Business Loan
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  • Join Kuda Business

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Help

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  • Contact Us
  • Self Help

Transparency

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  • 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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