# Kudzu: Online Banking App — Low-fee mobile banking > Low-fee online banking with budgeting, savings, and overdraft protection. (iPhone/iPad app by Kudzu Money, LLC.) - Source: https://appshunter.io/ios/app/kudzu-online-banking-app/id6449820905 (this page in markdown: same URL + `.md`) - Developer: [Kudzu Money, LLC](https://appshunter.io/developer/1690748528) - Category: Finance - Price: Free - Rating: 4.80/5 from 19 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 99 MB - Languages: American English - Released: 2023-12-13 - Data updated: 2026-09-01 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/kudzu-online-banking-app/id6449820905/reviews.md ## What is Kudzu? Kudzu is a low-fee online banking app with flexible accounts, overdraft protection, smart budgeting tools, and more! Kudzu is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A., Member FDIC. Take control of your money with tools like: Track your money and set budgets with Kudzu’s digital-first Spending Account. Enjoy automatic savings, unlimited transfers, and an interest-earning Savings Account.† Get fee-free overdraft protection with Covered by Kudzu™1. Stay on top of spending with SpendSense Alerts2. Get paid through Direct Deposit. Deposit checks with Mobile Check Load.* Learn through bite-sized financial literacy lessons (and earn rewards!) with PayPerks®3. Savings Habits helps you schedule transfers and build savings automatically. Together with SpendSense Alerts2 and Covered by Kudzu™1, it completes the Kudzu toolkit. Start spending instantly with Kudzu Visa® Debit Card. Activate it in the app or add it to your mobile wallet. Tap to pay, shop online, get Direct Deposit, deposit checks, or access cash at 55,000+ fee-free Allpoint® ATMs. The Kudzu Visa® Debit Card includes security features to help protect your money. Lock or unlock your debit card and receive real-time fraud alerts2. Upgrade to Kudzu+4, our optional premium membership, for: Free expedited debit card replacement Advanced overdraft protection5 Multiple savings goals Download Kudzu today to manage your money, build your savings, budget with confidence, and make smarter financial decisions. Download and sign up today! *Other fees and limits apply. See the Deposit Account Agreement for details. † The Annual Percentage Yield ("APY") for the Kudzu Savings Account is variable and may change at any time. The disclosed APY rate is effective as of November 17th, 2025. No minimum balance required. Must have $0.01 in savings to earn interest. The marketed Kudzu+ APY is available only while you maintain Kudzu+ membership, otherwise the standard non-Kudzu+ APY will apply. See full details. 1 Covered by Kudzu™ is an optional overdraft protection feature that uses funds in your savings account to cover debit card transactions that would otherwise bring your account negative, up to 10 times per month. You must maintain at least $50.00 in savings to be eligible for Covered by Kudzu. If the combined balance in your spending and savings accounts is less than the transaction amount, the transaction will be declined. For full terms and conditions, please visit https://www.kudzumoney.com/policies/#covered-by-kudzu-terms-and-conditions. 2 Message and data rates may apply. 3 The Bancorp Bank, N.A., is issuer of the Kudzu Visa® Debit Card only and does not endorse or sponsor the associated products, services or offers from PayPerks®. 4 Kudzu+ is an optional spending account that gives you access to additional features and benefits. A $4.95 monthly membership fee applies and will be automatically deducted from your Kudzu+ spending account. 5 Covered by Kudzu+™ is an optional overdraft protection feature that covers up to $100 in debit card purchase transactions that bring your spending account negative. If you have also enrolled in Covered by Kudzu™, we will first transfer available funds from your savings account to cover a debit card purchase that brings your spending account negative, before using Covered by Kudzu+. To be eligible to enroll in Covered by Kudzu+, you must have an active spending account open for at least 30 days and one qualifying deposit of $100 within that 30-day period. To maintain access to Covered by Kudzu+ once enrolled, you must receive at least one qualifying deposit of $100 or more in your spending account each 30-day period. For full terms and conditions, please visit kudzumoney.com/policies/#covered-by-kudzu-plus-terms-and-conditions. The Kudzu Visa® Debit Card is issued by The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted. ## Key features - Low-fee online banking - Flexible accounts - Overdraft protection - Smart budgeting tools - Automatic savings - Financial literacy lessons - Digital debit card ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/kudzu-online-banking-app/id6449820905/reviews.md ### 1/5 — Fraudulent bank *2025-10-04* This bank is a fraud 💯 I opened an account with them the moment I add $500 via Ach they flag my account I’ve called several times asking them to return the money back to the account it came from but they never agreed and keeps asking me for so much information This guys are pathetic fraudsters I’ll have to sue this thieves Kudzu return my money or you would hear from me in the court body Should ever deal with them they re fraudsters I’ll leave a bad reviews on them on any of their social media platforms so everybody not fall a victim to this thieves ### 1/5 — Not able to login *2025-09-05* After signing up. I wasn’t able to login.. it automatically logs me out upon signing in **Developer response:** We’re sorry to hear that you experienced issues logging into the app. Please make sure you are using the latest version of the app, as updates often include important fixes. If that doesn't resolve it for you, please reach out to our customer care team at support@kudzumoney.com so we can assist you directly. We appreciate you bringing this to our attention. Your feedback is appreciated and helps us continue to improve our service. ### 5/5 — Grow my green! *2023-12-13* This is a great product to help me track how I spend money. The financial training in PayPerks makes it easy to learn how to manage and budget my spending and savings. ## Frequently asked questions about Kudzu ### What is Kudzu? Kudzu is a low-fee online banking app that offers flexible accounts, overdraft protection, smart budgeting tools, and financial literacy lessons. Banking services are provided by The Bancorp Bank, N.A., Member FDIC. ### How does Kudzu's overdraft protection work? Covered by Kudzu™ is an optional feature that uses funds from your savings account to cover debit card transactions that would otherwise go negative, up to 10 times per month. You need at least $50.00 in savings to be eligible. ### What are the benefits of Kudzu+? Kudzu+ is an optional premium upgrade that includes benefits like free expedited debit card replacement and advanced overdraft protection. It has a $4.95 monthly membership fee. ### Can I use Kudzu for instant spending? Yes, you can start spending instantly with the Kudzu Visa® Debit Card. You can activate it directly in the app or add it to your mobile wallet. ### How secure is the Kudzu debit card? The Kudzu debit card comes with security features to keep your money safe, including the ability to instantly lock or unlock your card in the app and receive real-time fraud alerts. ### Where can I withdraw cash with Kudzu? You can withdraw cash from over 55,000 fee-free Allpoint® ATMs using your Kudzu debit card. ### Does Kudzu have ads? No, Kudzu is an ad-free application. ### What devices does Kudzu support? Kudzu is available for iPhone and iPod devices. ## Version history (last 5 releases) ### 1.0.110 — 2026-08-25 Bug fixes and feature enhancements ### 1.0.109 — 2026-08-11 Bug fixes and feature enhancements ### 1.0.108 — 2026-08-01 Bug fixes and feature enhancements ### 1.0.107 — 2026-07-14 Bug fixes and feature enhancements ### 1.0.106 — 2026-06-30 Bug fixes and feature enhancements ## Apps similar to Kudzu | App | Rating | Price | Category | | --- | --- | --- | --- | | [KoinLife](https://appshunter.io/ios/app/koinlife/id6569248861) | 3.5 (13) | Free | Finance | | [Fortuna: Digital Banking](https://appshunter.io/ios/app/fortuna-digital-banking/id6505125204) | 3.5 (8) | Free | Finance | | [Buff: Smart Wallet](https://appshunter.io/ios/app/buff-smart-wallet/id6474980823) | — | Free | Finance | | [SynchPay](https://appshunter.io/ios/app/synchpay/id6499554408) | 5.0 (5) | Free | Finance | | [NFINIT](https://appshunter.io/ios/app/nfinit/id6446414719) | — | Free | Finance | | [Amp Pay - Spend, Save & Trade](https://appshunter.io/ios/app/amp-pay-spend-save-and-trade/id6745053797) | 5.0 (7) | Free | Finance | ## Related topics [kudzu](https://appshunter.io/ios/topics/kudzu) · [kudzu 104.9](https://appshunter.io/ios/topics/kudzu-104-9) --- *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 2026-09-01.*