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Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

132K ratings
427 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • August 17, 2019
  • August 6, 2026

Features

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

Summarized from real user reviews of Kuda. Based on 132K reviews and a 4.7/5 average, it highlights the 6 positives and 20 negatives reviewers mention most about this Finance app.

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

3.0

August 6, 2026

Meet the new Kuda app, built for more. We now have a fresh look. Nothing you love has gone away, we just made everything easier to find. On your redesigned home screen, you can: See a quick summary of your savings and investments Find Cashback and Offers more easily Send money and pay bills in fewer steps Search for anything on the app See and manage all your cards Save, invest and borrow on dedicated pages Tap the three dots next to your account balance for quick actions

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User reviews

Most RecentHighest RatedLowest Rated

Notification update

Please try and update Kuda app so that we can be receiving notifications sounds when we receive or send money out like other bank doing such as Opay or PalmPay,not compulsory we receive notification through emails
Emmymoney885Emmymoney885

Design flaws

I actually like the older version more, where my saving are quite hidden from my eyes and that of others, but in this new one, my saving are directly seen by myself and others with tends to draw one to always go for it and make use of it, or people to see that you have a certain amount saved up, in order words “Savings is no longer a bit private to the eyes only”
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@ndr£w@ndr£w

KUDA

Love this bank app forever and ever, amazing
Osharz21Osharz21

Glory

Perfect and trusted
marleyfundz11marleyfundz11

For the love of kuda

I just love kuda
LohuntoyinLohuntoyin
See 422 more reviews

Developer apps

Kuda Business
Kuda Business

Kuda Business Banking App

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(986)

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.