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Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

130K ratings
566 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
Show original description

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
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

Dear Kuda

You are a banking app and not a gaming or movie app. You should be available to your users easily. Why do you have to tell me what iOS I needed to make use of my own money? My daughter was stranded and I needed to send her urgent money but I couldn’t! Banking system is really awful this days.
Ggivtted

SCAMMERS

Yea the other review is 100% right. You can’t take your money out, then they’ll send you an email, asking you to authorize them to take your own money (it sounds silly I know) and you can’t take your money out! Highly recommend you stay away from these lot 😂
Mmhubsss

Urgent Follow-Up on Blocked Kuda Account

Dear Kuda Support,

My account is still blocked, and I cannot access my funds. I have contacted support but have not received a resolution. Please investigate my account and let me know what steps I need to take to restore access to my money.

Thank you. I look forward to your response.
DLDee Lyte

Updates error

You don’t need to move the updates to 16 vision now a lot of people can’t used the application now what are you going to about this ?
SSlimwalex

Fix the app

How will you do an update that everyone cannot use.. now I can’t update my app and my money is stuck
Qqwwrtuokmbdeuinfsscjit
See 561 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.