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Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

130K ratings
579 reviews
💰 Finance
Free

Details

Released
August 17, 2019
Updated
November 3, 2026

Features

Background Location Access

Developer

Kuda Technologies Limited
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About

Manage your finances with a digital bank that offers free transfers, savings tools, and investment opportunities. Open an account in minutes, pay bills, and enjoy secure payment options. Earn rewards and access premium features for enhanced financial management.

✓Free money transfers
✓Automatic savings
✓US stock investments
✓Bill payments
✓Secure payment options
✓Debit and credit alerts
✓Premium rewards
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What users say about Kuda

Reviews of Kuda are mostly negative: the Finance app is rated 4.7/5 from 130K 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
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+1

What's New in Kuda

3.009

November 3, 2026

We’ve made it easier to complete your onboarding and verification. Panic balance now works better to keep your real balance private.

More

User reviews

Most RecentHighest RatedLowest Rated

Your app sucks

why restrict my account after upgrading to T3 premium user, fix this so i can get my money off your damn rubbish app to a better app.
WWellslimit

Can’t login and send out my money

I was on able to open my kuda bank what is all this because I’m using iOS 15 does that mean I should not be able to transfer my money in the app are you guy trying to steal my money.
Kkateberry202

iOS issue

I’m still at iOS 15
Please kindly allow the iOS 15 to use the Kuda I have money over there but I can’t send it
BCbabsbdbdc c

Updating issues about iOS

Your people should not continue this way how can i have money in kuda and I can not make use of it because I’m using ios lesser than ios 16 it is not proper ooo
MMrpresident4lyf

Very nice app

We love kuda so much
SShokoman90
See 574 more reviews

Developer apps

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

Payroll, Expenses & Bulk Pay

💰 Finance

(981)

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

Is Kuda safe to use for banking?

Yes, Kuda is licensed by the Central Bank of Nigeria and deposits are insured by the NDIC. The app offers advanced security features like Passkeys, Safety Mode, and Private mode for enhanced protection of your funds and data.

What are the fees associated with Kuda?

Kuda is transparent and aims not to charge unnecessary fees for banking. Users receive 25 free money transfers to any Nigerian bank monthly, and enjoy free debit and credit alerts.

Can I invest in stocks with Kuda?

Yes, users in Nigeria can invest in US stocks through a trading account provided by a third party. It's important to note that stock trading involves risks, and the value of stocks can fluctuate.

How does Kuda's savings feature work?

Kuda offers a Spend+Save feature to automatically save money each time you spend. You can also lock money in a Fixed Pocket to earn up to 16% annual interest, though this is available for users in Nigeria with Tier 3 accounts only.

What are the benefits of Kuda Premium?

Kuda Premium offers rewards like cashback, discounts from popular brands, priority support, and features such as budgeting, spending reports, and app themes. These benefits are available to users in Nigeria with Tier 3 accounts.

What devices does Kuda support?

Kuda is available on iPhone and iPad devices, offering a seamless banking experience across Apple's ecosystem.

How often is Kuda updated?

The latest version of Kuda is 3.009, and it was last updated on November 3, 2026. Updates are released to improve functionality and security.

What is the user sentiment for Kuda?

While Kuda has many positive reviews highlighting ease of use and good service, user reviews also indicate significant negative sentiment related to issues like being locked out, transfer problems, and customer service experiences.