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Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

131K ratings
530 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • August 17, 2019
  • September 26, 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
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What users say

Summarized from real user reviews of Kuda. Based on 131K 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
+1

What's New in Kuda

3.006

September 26, 2026

- Changed devices? You can now confirm it's you and get back into your app without going into safety mode. - Sending money to a bank that's having issues? We'll tell you before you send, so you don’t bother with a transfer that won't go through. - Sent a transfer? You can now tap to see the status once you’ve completed it. - If your internet drops while you're sending money or paying a bill, we'll let you know before you hit send so your payment doesn't fail halfway. - Some customers can now get loans of up to ₦500,000 with a monthly repayment plan.

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User reviews

Most RecentHighest RatedLowest Rated

App need update

The app his lagging
Duro123!Duro123!

Kuda

What’s going on with Kuda these days, transactions history is not showing on the app anymore, I can’t see who I sent money to and I’m not see who send me money
D_jamesD_james

The app keep bringing me out

Since yesterday I can’t operate anything on the app it keep bringing me out of the app
Quest2030Quest2030

Bad this days

I don’t understand what’s wrong with your app

I have been using it for long and now y’all are trying to kill person
I can’t even login to see my money in it then what’s the problem
Do you want us to stop using your bank

Please do something about this problem I need my money urgent
lekzy-22lekzy-22

App keeps on closing on opening

Will turn it into a 5 star after this issue stops
Bigslimeto_alexBigslimeto_alex
See 525 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

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.