# Kuda - Free transfer & payment — Pay, save & invest money

> Digital bank for payments, savings, investing, and stock trading. (iPhone/iPad app by Kuda Technologies Limited.)

- Source: https://appshunter.io/ios/app/kuda-free-transfer-and-payment/id1467373738 (this page in markdown: same URL + `.md`)
- Developer: [Kuda Technologies Limited](https://appshunter.io/developer/1608333924)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 131,952 App Store ratings · 435 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 366 MB
- Languages: American English
- Released: 2019-08-17
- Data updated: 2026-08-30
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/kuda-free-transfer-and-payment/id1467373738/reviews.md

## What is Kuda?

Join over 8 million people who use Kuda to spend, save, borrow, and get more from their money every day.

OPEN A FREE ACCOUNT 
Download the Kuda banking app, open an account in minutes, add some money, save automatically, invest in US stocks, and pay bills.
Kuda is licensed by the Central Bank of Nigeria, with deposits insured by the NDIC.

MAKE RELIABLE PAYMENTS 
Make banking easier for yourself. Get 25 free money transfers to any Nigerian bank monthly (Nigeria only), enjoy free debit and credit alerts and send money instantly to other Kuda users with just their Kuda Username. 
Pay online and offline with secure payment options.
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. (Users in Nigeria only.)
Request a Kuda card with pickup and nationwide delivery options. (Users in Nigeria only.)

WATCH YOUR MONEY GROW
Set up Spend+Save to save automatically each time you spend or lock some money away in a Fixed Pocket and earn up to 16% annual interest. (Users in Nigeria with Tier 3 accounts only, terms and conditions apply.)
Invest in US stocks with a trading account (Nigeria 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.

GET MORE REWARDS ON KUDA PREMIUM 
Earn 50 Coins to unlock Premium rewards! You'll get cashback, discounts from popular brands, priority support, and special features like budgeting, spending reports, app themes, and profile picture updates. (Users in Nigeria with Tier 3 accounts only, terms and conditions apply.)

WHY SHOULD YOU USE KUDA?
We’re transparent and we won't charge you unnecessary fees for banking with us.
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!
Learn more about Kuda at kuda.com.

YOUR MONEY IS SAFE WITH KUDA
Block your card on the app instantly and unblock it if you find it.
Use Passkeys, Safety Mode and Private mode for extra security.
Need help? Chat with us on the app or send a message to help@kuda.com

## Key features

- Free bank account opening
- Free money transfers
- Automated savings
- Stock investing
- Budgeting tools
- Cashback and discounts

## What do users think of Kuda?

Overall sentiment: negative

**Pros**

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

**Cons**

- 🐛 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

**Commonly reported bugs**

- App Crashing After Update
- Slow Address Verification
- Transaction Not Reflecting
- Forced Logout After Update
- Account Balance Going to Zero
- Unable to Sign In After Update

**Most requested features**

- Add Scan to Pay Method
- Allow Changing ATM PIN Ourselves

## Recent user reviews (10 of 435)

All indexed reviews: https://appshunter.io/ios/app/kuda-free-transfer-and-payment/id1467373738/reviews.md

### 1/5 — Poor customer care service

*2026-08-21, version 3.001*

I have been trying to upgrade my account but it’s not working, trying to withdraw my money from my saving too and still not working because it’s above the amount that’s supposed to be in the account

### 1/5 — Stupid Notifications

*2026-08-14, version 3.001*

Had to delete this garbage cause they keep sending unnecessary notifications that I didn’t ask for, and that I can’t turn off.

### 1/5 — Absolutely Terrible Customer Service

*2026-08-10, version 3.001*

The worst customer service I’ve experienced from a bank so far. I’ve been out of the country for a couple of months and, for some reason, I’m unable to use the in-app customer service chat. When I finally managed to get through, I was left waiting on hold for so long that I genuinely believe the customer service team simply closed without resolving my issue.

I have several queries that need to be addressed, yet not a single one has been resolved. It is extremely frustrating and unacceptable, especially when you’re relying on your bank while abroad.

The customer service is incredibly poor, communication is practically non-existent, and getting help when you actually need it feels impossible.

Very disappointing experience. I would not recommend this bank based on the level of customer service I’ve received.

### 1/5 — Kuda

*2026-08-10, version 3.001*

This app is not good as before why tier two no fit send and receive more than 500k not that I has more than 500k in the app before update the app I can’t remove my money

### 5/5 — MRF

*2026-08-10, version 3.001*

This is great and very easy to use

### 3/5 — NEW APP LAGGING

*2026-08-09, version 3.0*

Please try and work on how this new update app is lagging. It freezes trying to make payment that you nearly press the wrong amount if not being careful.

### 5/5 — The New App is absolutely awesome 😘

*2026-08-08, version 3.0*

Nice update on the new app been expecting this for a while now

### 5/5 — KUDA

*2026-08-07, version 3.0*

I love me the update of this version ❤️

### 5/5 — Notification update

*2026-08-07, version 3.0*

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

### 3/5 — Design flaws

*2026-08-07, version 3.0*

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”

## Frequently asked questions about Kuda

### 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.

## Version history (last 5 releases)

### 3.001 — 2026-08-09

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

### 3.0 — 2026-08-06

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

### 2.002395 — 2026-05-29

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.

### 2.002394 — 2026-05-18

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.

### 2.002393 — 2026-04-25

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.

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## More apps by Kuda Technologies Limited

- [Kuda Business](https://appshunter.io/ios/app/kuda-business/id1608792902)

All apps by Kuda Technologies Limited: https://appshunter.io/developer/1608333924

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*