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Kuda - Free transfer & payment icon

Kuda - Free transfer & payment

Kuda Technologies Limited
Pay, save & invest money
Open in App Store ↗
US flag US
NGen-GBUSen-USGBen-GBAEen-GBCAen-CAGHen-GBTRen-GBDEde-DEZAen-GBINen-GBAUen-AUBJen-GBEGen-GBHKzh-Hant-HKMYen-GBITitCYen-GBPHen-GBFRfr-FRUAen-GBSAen-GBIEen-GBLYen-GBVNen-GBCIfr-FRRUruESes-ESNEen-GBNLnlAFen-GBKEen-GBJPjaPLen-GBOMen-GBIDen-GBQAen-GBSEsvMXes-MXSGen-GBTHen-GBATde-DECMfr-FRBHen-GBDZen-GBBEen-GBUGen-GBAOen-GBPTpt-PTALen-GBARes-MXBRpt-BRSNen-GBDKen-GBEEen-GBFIen-GBGMen-GBGEen-GBNZen-AUBFen-GBCHde-CHHUen-GBLTen-GBGRen-GBMAen-GBPAes-MXTWzh-Hant-TWKHen-GBBYen-GBLAen-GBMTen-GBKRkoKWen-GBMLen-GBAMen-GBMUen-GBRWen-GBSKen-GBSLen-GBCZen-GBJOen-GBROen-GBAGen-GBLRen-GBNOen-GBAIen-GBLBen-GBNAen-GBPKen-GBAZen-GBBGen-GBISen-GBJMen-GBKZen-GBTNen-GBCLes-MXILen-GBMDen-GBSVes-MXZWen-GBBBen-GBCDen-GBGAfr-FRLUen-GBTTen-GBTZen-GBUYen-GBZMen-GBBWen-GBBZen-GBCOes-MXCRes-MXCVen-GBIQen-GBKYen-GBMMen-GBMZen-GBNPen-GBRSen-GBSIen-GBTDen-GBUZen-GBVCen-GBVGen-GBBAen-GBBOes-MXBSen-GBDMen-GBGTes-MXLCen-GBLKen-GBMKen-GBPEes-MXSCen-GBTMen-GBBMen-GBBTen-GBCGen-GBDOes-MXECes-MXFJen-GBFMen-GBGDen-GBGWen-GBHNes-MXKGen-GBKNen-GBLVen-GBMEen-GBMGen-GBMNen-GBMRen-GBMSen-GBMVen-GBNIes-MXNRen-GBPGen-GBPYes-MXSRen-GBSZen-GBTCen-GBTJen-GBYEen-GBBNen-GBGYen-GBHRen-GBMOzh-Hant-HKMWen-GBPWen-GBSBen-GBSTen-GBTOen-GBVEes-MXVUen-GBXKen-GBCNNot Available
174 of 175 storefronts
Content in en-US
132.5k Ratings
4.7
★★★★★
Age Rating
4+
Years
Developer
Kuda Technologies Limited
Language
EN
Size
360
MB

Information

Apple ID1467373738
Bundle IDcom.kudabank.app
SellerSeller
Min iOS16.0
Min macOS13.0
Device familiesiphone, ipad
Released2019-08-17
Copyright© 2026 Kuda Technologies Ltd. All rights reserved.
WebsiteLink ↗
Privacy policyLink ↗

Preview 2 platforms

iPhone 10 images

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iPad 10 images

iPad screenshot
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What’s New Version 2.002395

Smart Overdraft: You can now apply for an overdraft directly from the app if you don’t already have one. Just answer a few questions, link your salary account, and get a decision in minutes.

Description

Get more with Kuda! Join over 7 million people who use Kuda for easy banking, stock trading, savings, and on-the-go payments. Kuda is the smart way to get more from your money every day. Download the Kuda banking app, open an account on your phone in minutes, add money, and request a Kuda Card. Earn 50 Kuda Coins with a Tier 3 Kuda account to unlock Kuda Premium rewards! You'll get cashback, discounts, priority customer support, and special features like budgeting, app themes, and profile picture updates. Terms and conditions apply. Make banking easier for yourself. Get 25 free money transfers to any Nigerian bank every month, pay online and offline easily, invest, and save money. Kuda is licensed by the Central Bank of Nigeria, with deposits insured by the NDIC. Why Should You Use Kuda? Open a bank account for free in minutes and make easy payments immediately. Make money transfers to any Nigerian bank free of charge up to 25 times every month (Nigeria users only) and get free debit and credit alerts. Earn Kuda Coins to unlock Kuda Premium rewards - cashback, discounts from popular brands, priority support, budgeting, spending reports, app themes, and profile updates (Nigeria users with Tier 3 accounts only, terms and conditions apply). Pay online and offline with secure payment options. Create a Kuda Username to make unlimited free money transfers within the Kuda community without using an account number. Set up a trading account on the app to invest in US stocks (Nigeria users only). Request a Kuda card with pickup and nationwide delivery options. (Nigeria users only.) Request a virtual card to pay online. (Nigeria users only.) Save money easily with Pockets, our automated savings feature, and get up to 14% annual interest! (Nigeria users only.) Pay across borders with money transfers to Nigeria from abroad at competitive rates. (UK and Canada users only.) Pay bills and buy airtime for all major networks. (Nigeria users only.) Open A Free Account Now We won't charge you unnecessary bank fees for banking with us. Watch Your Money Grow Save a lump sum or set a percentage to save periodically and we'll pay you up to 14% annual interest, so your money keeps making money. (Nigeria users only. Terms and conditions apply.) Save every time you pay directly from your Kuda bank account with Kuda Spend+Save. (Nigeria users only.) Invest in US stocks with a trading account (Nigeria users only). Trading services are provided by a third party. Disclaimer: Invest wisely. The value of stocks fluctuates and stock trading involves possible loss of capital. Your Money Is Safe At Kuda Block your card on the app instantly (and unblock it if you find it). Use Private Mode to hide your account balance any time. Need help? Chat with us on the app or send a message to help@kuda.com . Switch To Kuda In Two Easy Steps: Open an account: Download Kuda and open a bank account on your phone. Add money: Send money from any other Nigerian bank or move money from your debit card. Learn more about Kuda at kuda.com. Spend smarter, save, and get more from your money with Kuda. Download the Kuda banking app now to get more from your money, save easily, make free transfers, earn Premium rewards, invest with a trading account, and pay any time!

Accessibility

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Version history 25 versions

Build 886295012v2.0023952026-05-29 20:29:09
Smart Overdraft: You can now apply for an overdraft directly from the app if you don’t already have one. Just answer a few questions, link your salary account, and get a decision in minutes.
Build 885107257v2.0023942026-05-18 08:48:31
Smart Overdraft: You can now apply for an overdraft directly from the app if you don’t already have one. Just answer a few questions, link your salary account, and get a decision in minutes.
Build 883739008v2.0023932026-04-25 22:18:44
When you buy an electricity token, it now shows up on the confirmation screen. If token delivery is delayed or fails, we’ll send you a notification. Your electricity receipt now includes meter ID, owner name, and address. VAT and transfer fees now show separately on your transfer receipts, transaction details, and bank statements.
Build 883441357v2.0023922026-03-25 07:34:15
The app now shows unread notifications to keep you in the loop. Scan account numbers with your phone to send money quickly without errors. In Search, you can filter your transactions by date, type, category, or keywords. You’ll now get meter tokens instantly in your email and transaction history. If token delivery is delayed or fails, we’ll send you directions in a push notification.
Build 883356646v2.0023912026-03-14 20:19:41
See purchase limits before buying gift cards. Get useful personal finance tips based on your spending habits. If a transfer fails because there’s a lien on your account, the app will tell you what to do.
Build 882748030v2.0023902026-03-07 14:20:57
See purchase limits before buying gift cards. Get useful personal finance tips based on your spending habits. If a transfer fails because there’s a lien on your account, the app will tell you what to do.
Build 882361146v2.0023892026-02-20 07:44:31
We redesigned in-app surveys to make sharing your opinions with us easier. The app now shows how many Kuda Coins you'll earn for paying bills. In line with Nigeria’s 2026 Tax Act, you’ll now see a 7.5% VAT on transaction fees before you confirm payments. You’ll now get real-time status updates and clear details for every transfer. The app now shows transaction limit messages with guides.
Build 881297518v2.0023882026-02-11 06:21:43
Account upgrades are smoother: We’ll show you what details might be missing from your Kuda profile so you can add them and get the best out of your account.
Build 881225463v2.0023872026-01-07 21:18:44
You can now call our support line - 0700022555832 - between 8:00 am and 8:00 pm any day of the week. Your 2025 My Year on Kuda is here! See everything you did with your money on Kuda all year. Our all-new Budgeting feature makes managing your money a lot easier. Create a weekly or monthly budget and set limits on budget categories like food and transportation.
Build 881129183v2.0023862026-01-04 06:00:16
You can now call our support line - 0700022555832 - between 8:00 am and 8:00 pm any day of the week. Your 2025 My Year on Kuda is here! See everything you did with your money on Kuda all year. Our all-new Budgeting feature makes managing your money a lot easier. Create a weekly or monthly budget and set limits on budget categories like food and transportation.
Build 880903448v2.0023852025-12-27 08:19:08
You can now call our support line - 0700022555832 - between 8:00 am and 8:00 pm any day of the week. Your 2025 My Year on Kuda is here! See everything you did with your money on Kuda all year. Our all-new Budgeting feature makes managing your money a lot easier. Create a weekly or monthly budget and set limits on budget categories like food and transportation.
Build 880348225v2.0023842025-12-20 07:52:56
You can now call our support line - 0700022555832 - between 8:00 am and 8:00 pm any day of the week. Your 2025 My Year on Kuda is here! See everything you did with your money on Kuda all year. Our all-new Budgeting feature makes managing your money a lot easier. Create a weekly or monthly budget and set limits on budget categories like food and transportation.
Build 879891990v2.0023832025-12-04 09:56:45
If you're on Kuda Premium, you'll get exciting discounts from partner businesses. Create a much stronger password with our improved password rules guide. If you delete the app or change your phone, we'll save your recents across airtime, bills, search, send, and repeat transactions so you can access them whenever you sign in again. More ways to redeem offers from partners. You can now redeem your offers directly from your app
Build 878885573v2.0023822025-11-17 18:57:51
If you’re on Kuda Premium, you’ll get exciting discounts from partner businesses. Create a much stronger password with our improved password rules guide. If you delete the app or change your phone, we’ll save your recents across airtime, bills, search, send, and repeat transactions so you can access them whenever you sign in again. Update the ID linked to your multicurrency account on the app easily.
Build 878636273v2.0023812025-10-09 12:10:22
Scheduled Transfers: We made it easier for you to find your saved beneficiaries so you can schedule transfers quicker. Transfers: We made improvements to transfers. Premium: We made it easier to see your cashback rewards on Kuda Premium. Referrals: We fixed a few bugs to improve the referral experience.
Build 877836427v2.0023802025-10-02 22:05:41
Overdraft Improvements If we offer you an overdraft, you can now sign our offer letter on your Kuda app. We made it easier to find your overdraft in the Borrow section. Better Bank Suggestions, Beneficiaries Within Reach Send money quicker with improved bank suggestions that show up as you type, and find your beneficiaries quicker. Improved Referrals, Quicker Virtual Card Requests We redesigned the referral progress bar for easier referral tracking. We made some improvements to the ‘Referral History’ section. Requesting a virtual card now takes fewer steps. Smoother Account Upgrades Upgrading your account to Tier 2 and increasing your transaction limits when you open a Kuda account is now smoother. Clear Card Benefits We redesigned the ‘Get A Card’ section to show you card benefits clearly.
Build 877551552v2.0023792025-09-03 08:54:31
Overdraft Improvements If we offer you an overdraft, you can now sign our offer letter on your Kuda app. We made it easier to find your overdraft in the Borrow section. Better Bank Suggestions, Beneficiaries Within Reach Send money quicker with improved bank suggestions that show up as you type, and find your beneficiaries quicker. Improved Referrals, Quicker Virtual Card Requests We redesigned the referral progress bar for easier referral tracking. We made some improvements to the ‘Referral History’ section. Requesting a virtual card now takes fewer steps. Smoother Account Upgrades Upgrading your account to Tier 2 and increasing your transaction limits when you open a Kuda account is now smoother. Clear Card Benefits We redesigned the ‘Get A Card’ section to show you card benefits clearly.
Build 876929280v2.0023782025-08-25 09:45:01
* For more secure sign-ins, you'll now create a passcode when you're signing up for an account. * Refer Kuda to your friends and family regularly and we'll reward you for your first two referrals every month!
Build 876607933v2.0023772025-08-01 14:49:37
We simplified cashback redemption and we now show available cashback for bill payments. Only available to Premium customers. We fixed a bug affecting gift card purchases when an account is in Safety Mode. We improved transaction reporting. When you run out of free transfers for the month, we’ll now let you know if your account balance can cover your next transfer.
Build 876265901v2.0023762025-07-22 12:53:42
- Say hello to smart budgeting! Create a monthly budget and get timely notifications that’ll help you avoid overspending. - You can now change your card delivery option on the app. - If you’re outside Nigeria, you can: - Create a Euro (EUR) or pounds sterling (GBP) account. - Send GBP or Naira (NGN) to other Kuda accounts. - Convert GBP and EUR to NGN if you have a Naira account. - Add money to your GBP or EUR account through Open Banking.
Build 875449671v2.0023752025-07-04 01:10:47
- Say hello to smart budgeting! Create a monthly budget and get timely notifications that’ll help you avoid overspending. - You can now change your card delivery option on the app. - If you’re outside Nigeria, you can: - Create a Euro (EUR) or pounds sterling (GBP) account. - Send GBP or Naira (NGN) to other Kuda accounts. - Convert GBP and EUR to NGN if you have a Naira account. - Add money to your GBP or EUR account through Open Banking.
Build 874807167v2.0023742025-06-05 19:40:35
* The new Overdraft is here, with minimum monthly repayments and monthly overdraft statements for convenient long-term use. * We made transaction history better, so you can find old transactions quicker and track your spending more easily. * Opening a new Kuda account is now quicker with one less signup step. * We improved Kuda Premium and added Kuda Plus, a new rewards tier with benefits you’ll love.
Build 874531247v2.0023732025-05-15 10:17:20
* You can now see the status of a transaction in real time. * You’ll get notifications to help you stay on track with your overdraft repayment(s).
Build 873881804v2.0023722025-05-05 16:08:09
* You can now see the status of a transaction in real time. * You’ll get notifications to help you stay on track with your overdraft repayment(s).
Build 873424110v2.0023712025-04-05 14:30:39
* Share receipts from the ‘Done’ screen immediately after a payment. * We added transfer categories for more accurate spending reports and better financial planning. * If you’re on Premium, you can now create, upload, and download your own Kuda-themed avatars! We also added instant notifications for Kuda Coin and cashback earnings. * We added digital address verification to speed up account upgrades.

No pricing data captured yet — comparisons appear once the app has paid storefronts or in-app purchases.

Availability 174 of 175 storefronts

RegionLanguagePriceRatingsAvgVersion
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US en-USFree132.5k4.72.002395
GB en-GBFree3.6k4.82.002395
AE en-GBFree1.2k4.72.002395
CA en-CAFree1.1k4.82.002395
GH en-GBFree9704.72.002395
TR en-GBFree5104.82.002395
DE de-DEFree3744.72.002395
ZA en-GBFree3004.72.002395
IN en-GBFree2674.82.002395
AU en-AUFree2554.82.002395
BJ en-GBFree2044.82.002395
EG en-GBFree1884.82.002395
HK zh-Hant-HKFree1584.72.002395
MY en-GBFree1554.82.002395
IT itFree1444.82.002395
CY en-GBFree1374.72.002395
PH en-GBFree1274.82.002395
FR fr-FRFree1244.82.002395
UA en-GBFree1204.82.002395
SA en-GBFree1034.82.002395
IE en-GBFree1004.82.002395
LY en-GBFree954.72.002395
VN en-GBFree804.62.002395
CI fr-FRFree694.82.002395
RU ruFree624.82.002395
ES es-ESFree604.82.002395
NE en-GBFree604.72.002395
NL nlFree594.82.002395
AF en-GBFree564.62.002395
KE en-GBFree534.82.002395
JP jaFree504.82.002395
PL en-GBFree504.92.002395
OM en-GBFree484.82.002395
ID en-GBFree444.82.002395
QA en-GBFree444.82.002395
SE svFree444.42.002395
MX es-MXFree374.52.002395
SG en-GBFree364.82.002395
TH en-GBFree364.82.002395
AT de-DEFree354.52.002395
CM fr-FRFree354.72.002395
BH en-GBFree344.92.002395
DZ en-GBFree324.82.002395
BE en-GBFree304.82.002395
UG en-GBFree304.92.002395
AO en-GBFree294.42.002395
PT pt-PTFree294.82.002395
AL en-GBFree274.72.002395
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BR pt-BRFree274.92.002395
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FI en-GBFree225.02.002395
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GE en-GBFree214.82.002395
NZ en-AUFree214.92.002395
BF en-GBFree194.32.002395
CH de-CHFree194.72.002395
HU en-GBFree195.02.002395
LT en-GBFree194.92.002395
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TW zh-Hant-TWFree174.62.002395
KH en-GBFree164.82.002395
BY en-GBFree144.62.002395
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KR koFree134.72.002395
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Not available in: CN

Change log 29 changes · US

✎
releaseNotes updated
Smart Overdraft: You can now apply for an overdraft directly from the app if you don’t already have one. Just answer a few questions, link your salary account,
✎
description updated
Get more with Kuda! Join over 7 million people who use Kuda for easy banking, stock trading, savings, and on-the-go payments. Kuda is the smart way to get mor
✎
subtitle updated
Pay, save & invest money
✎
name updated
Kuda - Free transfer & payment
◆
Version 2.002395 released
Smart Overdraft: You can now apply for an overdraft directly from the app if you don’t already have one. Just answer a few questions, link your salary account, and get a decision in minutes.
◆
Version 2.002394 released
Smart Overdraft: You can now apply for an overdraft directly from the app if you don’t already have one. Just answer a few questions, link your salary account, and get a decision in minutes.
◆
Version 2.002393 released
When you buy an electricity token, it now shows up on the confirmation screen. If token delivery is delayed or fails, we’ll send you a notification. Your electricity receipt now includes meter ID, owner name, and address. VAT and transfer
◆
Version 2.002392 released
The app now shows unread notifications to keep you in the loop. Scan account numbers with your phone to send money quickly without errors. In Search, you can filter your transactions by date, type, category, or keywords. You’ll now get m
◆
Version 2.002391 released
See purchase limits before buying gift cards. Get useful personal finance tips based on your spending habits. If a transfer fails because there’s a lien on your account, the app will tell you what to do.
◆
Version 2.002390 released
See purchase limits before buying gift cards. Get useful personal finance tips based on your spending habits. If a transfer fails because there’s a lien on your account, the app will tell you what to do.
◆
Version 2.002389 released
We redesigned in-app surveys to make sharing your opinions with us easier. The app now shows how many Kuda Coins you'll earn for paying bills. In line with Nigeria’s 2026 Tax Act, you’ll now see a 7.5% VAT on transaction fees before you c
◆
Version 2.002388 released
Account upgrades are smoother: We’ll show you what details might be missing from your Kuda profile so you can add them and get the best out of your account.
◆
Version 2.002387 released
You can now call our support line - 0700022555832 - between 8:00 am and 8:00 pm any day of the week. Your 2025 My Year on Kuda is here! See everything you did with your money on Kuda all year. Our all-new Budgeting feature makes managing
◆
Version 2.002386 released
You can now call our support line - 0700022555832 - between 8:00 am and 8:00 pm any day of the week. Your 2025 My Year on Kuda is here! See everything you did with your money on Kuda all year. Our all-new Budgeting feature makes managing
◆
Version 2.002385 released
You can now call our support line - 0700022555832 - between 8:00 am and 8:00 pm any day of the week. Your 2025 My Year on Kuda is here! See everything you did with your money on Kuda all year. Our all-new Budgeting feature makes managin
◆
Version 2.002384 released
You can now call our support line - 0700022555832 - between 8:00 am and 8:00 pm any day of the week. Your 2025 My Year on Kuda is here! See everything you did with your money on Kuda all year. Our all-new Budgeting feature makes managin
◆
Version 2.002383 released
If you're on Kuda Premium, you'll get exciting discounts from partner businesses. Create a much stronger password with our improved password rules guide. If you delete the app or change your phone, we'll save your recents across airtime,
◆
Version 2.002382 released
If you’re on Kuda Premium, you’ll get exciting discounts from partner businesses. Create a much stronger password with our improved password rules guide. If you delete the app or change your phone, we’ll save your recents across airtime,
◆
Version 2.002381 released
Scheduled Transfers: We made it easier for you to find your saved beneficiaries so you can schedule transfers quicker. Transfers: We made improvements to transfers. Premium: We made it easier to see your cashback rewards on Kuda Premium.
◆
Version 2.002380 released
Overdraft Improvements If we offer you an overdraft, you can now sign our offer letter on your Kuda app. We made it easier to find your overdraft in the Borrow section. Better Bank Suggestions, Beneficiaries Within Reach Send money quicker
◆
Version 2.002379 released
Overdraft Improvements If we offer you an overdraft, you can now sign our offer letter on your Kuda app. We made it easier to find your overdraft in the Borrow section. Better Bank Suggestions, Beneficiaries Within Reach Send money quicker
◆
Version 2.002378 released
* For more secure sign-ins, you'll now create a passcode when you're signing up for an account. * Refer Kuda to your friends and family regularly and we'll reward you for your first two referrals every month!
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Version 2.002377 released
We simplified cashback redemption and we now show available cashback for bill payments. Only available to Premium customers. We fixed a bug affecting gift card purchases when an account is in Safety Mode. We improved transaction reporting
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Version 2.002376 released
- Say hello to smart budgeting! Create a monthly budget and get timely notifications that’ll help you avoid overspending. - You can now change your card delivery option on the app. - If you’re outside Nigeria, you can: - Create a Euro
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Version 2.002375 released
- Say hello to smart budgeting! Create a monthly budget and get timely notifications that’ll help you avoid overspending. - You can now change your card delivery option on the app. - If you’re outside Nigeria, you can: - Create a Euro
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Version 2.002374 released
* The new Overdraft is here, with minimum monthly repayments and monthly overdraft statements for convenient long-term use. * We made transaction history better, so you can find old transactions quicker and track your spending more easily.
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Version 2.002373 released
* You can now see the status of a transaction in real time. * You’ll get notifications to help you stay on track with your overdraft repayment(s).
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Version 2.002372 released
* You can now see the status of a transaction in real time. * You’ll get notifications to help you stay on track with your overdraft repayment(s).
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Version 2.002371 released
* Share receipts from the ‘Done’ screen immediately after a payment. * We added transfer categories for more accurate spending reports and better financial planning. * If you’re on Premium, you can now create, upload, and download your ow
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