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Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

133K ratings
415 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • August 17, 2019
  • May 29, 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
Show original description

What users say

Summarized from real user reviews of Kuda. Based on 133K 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
See all reviews

What's New in Kuda

2.002395

May 29, 2026

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.

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User reviews

Most RecentHighest RatedLowest Rated

Change

I think asking for address verification everytime shows imcompetent. I stopped using your bank simply because I have to have my phone location on everytime. You need to work on that cuz it is not a good way of banking. We use other banks and don’t have to be verifying my location everytime.
If you wanna be a top online bank look into this

Thank you
Show more
B1ackpopeB1ackpope

Login issue

The passkey login has been very useless and frustrating. I can’t login to my app for days now
iamprinceslyiamprincesly

Ogun go kill una

God wan punish una sha make una do my money nah
Ogun finish unaOgun finish una

Slowest bank ever I regret banking with kuda

The slowest bank ever
People send money to you and you won’t receive it
Useless bank
tinytrigger99tinytrigger99

Update my Kuda app

My Kuda needs to be updated
adtulaiadtulai
See 410 more reviews

Developer apps

Kuda Business
Kuda Business

Kuda Business Banking App

💰 Finance

(979)

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.