Kuda - Money App for Africans

Welcome to the money app for Africans! Open a Kuda account today!

You're busy and we've got you covered. Kuda gives you an easy way to manage your money on your phone. Download the app today, open an account on your phone, add money, and request a Kuda Visa card!

Keep up with your finances without losing sleep. No card maintenance fees, free transfers and automatic savings in your account — Kuda gives you everything you need to stay on top of your money. Download the app today.

This is Kuda, the money app for Africans licensed by the Central Bank of Nigeria.

Why Should You Use Kuda?
- Open a bank account for free in minutes.
- Send money for free up to 25 times every month, and get free debit and credit alerts (Nigeria users only).
- Unlimited free transfers within the UK (UK users only).
- Create a Kuda Username to make unlimited free transfers within the Kuda community without an account number!
- Request a Kuda Visa card with pickup and nationwide delivery options (Nigeria users only).
- Create a virtual Visa card to pay online. (Nigeria users only)
- Save and plan easily with our saving and budgeting features – get up to 15% annual interest! (Nigeria users only)
- Make low-cost international transfers to Nigeria from the UK (UK users only).
- Buy airtime seamlessly through the app for all major networks. (Nigeria users only)


Open A Free Account Now

We know your money is important to you, so we won’t charge you for card or account maintenance.

Watch Your Money Grow (Nigeria users only)
- Kuda helps you plan your finances and save for the future.
- Take control of your spending with smart budgeting on Kuda, then set a percentage to save automatically and watch your money grow.
- You can also save every time you spend directly from your account with Kuda Spend+Save. It's the smartest way to save!
- We'll reward you with up to 15% annual interest on your savings, so your money keeps making money.

Your Money Is Safe At Kuda
- We know debit cards go missing sometimes. That's why you can block your card on the app (and unblock it if you find it).
- Use Private Mode to hide your account balance.
- If you need help, you can chat with us on the app or send a message to [email protected] anytime.

Move To Kuda In Two Easy Steps:
1. Open your account: Download the app and open an account on your phone.
2. Add money to your account: Add a debit card, and send money to your Kuda account from any bank’s app or through internet banking.

For more information about Kuda, please go to kuda.com.

Spend smarter, save better and get the most out of your money with Kuda.

Download Kuda now.

Nigerian banking services are offered by Kuda Microfinance Bank (RC796975), with registered address at 151 Herbert Macaulay Way, 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. Kuda EMI Ltd is a Distributor of Modulr FS Limited. Modulr FS Limited (Company No 09897919), is regulated by the Financial Conduct Authority for issuance of electronic money under reference 900573.