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Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

131K ratings
558 reviews
💰 Finance
Free

Details

Released
August 17, 2019
Updated
October 8, 2026

Features

Background Location Access

Developer

Kuda Technologies Limited
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About

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

✓Free bank account opening
✓Free money transfers
✓Automated savings
✓Stock investing
✓Budgeting tools
✓Cashback and discounts
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What users say about Kuda

Reviews of Kuda are mostly negative: the Finance app is rated 4.7/5 from 131K App Store ratings. What users like most: easy to Use, ease of use. Top complaints: locking Users Out Through Forced Updates, face ID Not Working. Summarized from real user reviews.

Positive things

  • 🚀Easy to Use
  • 👍Ease of use
  • 🚀Exceptional Service
  • 🚀Smooth Banking
  • 🚀Flexible and Accessible
  • 👍Awesome Packages and Services

Negative things

  • 🐛Locking Users Out Through Forced Updates
  • 🐛Face ID Not Working
  • 🐛Debit But Not Credited
  • 🐛Frustrating
  • 🐛Poor/No Customer Service
  • 🐛Transfer Issues
  • 🐛Pending Transaction
  • 🐛Doesn't Work After Update
  • 🐛Stealing
  • 🐛Can't Open Account
  • 🐛Terrible Customer Service
  • 🐛Worse Bank Ever
  • 🐛Useless Bank
  • 🐛Closed Accounts
  • 🐛Login Issues
  • 🐛Money Becoming Prisoner in App
  • 🐛Password Incorrect
  • 🐛Locked Account
  • 🐛Debit of Account Without Reversal
  • 🐛Massive Issues
See all reviews

What's New in Kuda

3.007

October 8, 2026

We've been working behind the scenes this month to make the app faster and smoother. Nothing new to show you yet, but everything you already use should feel a little better

More

User reviews

Most RecentHighest RatedLowest Rated

To Kuda

A good banking app always safe and reliable
Doja CartDoja Cart

Updating issues

Isn’t it right that you allow IOS 15.8 users at least to use the app? I can’t update the app because My phone can’t move higher to IOS 16. This is not good it means I cannot transfer from my Kuda account and I have money there. Please fix it!
ozedlamaniozedlamani

Demand update on iOS 16 only

How do we log into account now when there’s money in it while it’s demanding IOS 16 only upwards
Which means KUDa is not for everyone again
Definitely we should just close and withdraw our fund
IDUNU ERIIDUNU ERI

Notifications

Are you ever gonna add app Notifications???
WalexinohWalexinoh

Very poor customer service

I have been trying to get in touch with your customer support and it keep saying we’re busy since 5 days now no response from your customer support and I can’t withdraw my money from your bank 😡😡😡😡😡
Tami4546Tami4546
See 553 more reviews

Developer apps

Kuda Business: POS & Invoice
Kuda Business: POS & Invoice

Payroll, Expenses & Bulk Pay

💰 Finance

(980)

Free
See developer apps

User experience

🐞

Reported Bugs

6 issues

App Crashing After Update

Bug

Slow Address Verification

Bug

Transaction Not Reflecting

Bug

Forced Logout After Update

Bug

Account Balance Going to Zero

Bug

Unable to Sign In After Update

Bug
✨

Requested Features

2 requests

Add Scan to Pay Method

Feature

Allow Changing ATM PIN Ourselves

Feature

FAQ

What does Kuda do?

Kuda is a digital banking app that allows users to open a bank account in minutes, make easy payments, save money with automated features, and invest in US stocks. It aims to provide a smarter way to manage money with features like free transfers and premium rewards.

What are the key features of Kuda?

Key features include free bank account opening, up to 25 free money transfers per month to any Nigerian bank, automated savings with interest, the ability to invest in US stocks, and access to premium rewards like cashback and discounts for eligible users.

Is Kuda free to use?

Opening a bank account with Kuda is free, and users can make up to 25 free money transfers to any Nigerian bank each month. Some premium features and rewards are available with a Tier 3 Kuda account, and terms and conditions apply.

Is Kuda available internationally?

While the core banking and investment features are primarily for Nigeria users, Kuda also offers cross-border money transfers to Nigeria from the UK and Canada at competitive rates. Specific features and availability may vary by region.

How can I save money with Kuda?

Kuda offers an automated savings feature called 'Pockets' where you can save a lump sum or set a percentage to save periodically, earning up to 14% annual interest. Additionally, 'Spend+Save' allows you to save every time you make a payment directly from your Kuda bank account.