Kuda Bank Signup and Registration: How to Open Kuda Bank Account, How to Make Payments (Send and Receive Money) With Kuda Bank App

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Experience the next generation of banking with Kuda Bank! Imagine a world where banking is at your fingertips. With Kuda Bank, that world becomes a reality. Opening a Kuda Bank account is a breeze, eliminating the need for tedious paperwork and long waiting times. Simply download the Kuda Bank app, follow a few simple steps, and voila! You have access to a modern, feature-rich bank account tailored to your needs. But that’s just the beginning. Once you’re set up with your Kuda Bank account, we’ll dive into the exciting world of digital payments. Sending and receiving money has never been more convenient. Whether you need to split bills with friends, pay for goods and services, or send money to loved ones, the Kuda Bank app provides a secure and efficient platform to do so. No more standing in long queues or carrying around cash. With Kuda Bank, your smartphone becomes a powerful tool for financial transactions. Seamlessly link your Kuda Bank account to your debit card, and you’re ready to make payments with just a few taps. Experience the freedom of instant transfers, quick bill payments, and effortless transactions, all within the Kuda Bank app. Read Also: How to borrow data on airtel Nigeria

How to Open Kuda Bank Account

Opening a Kuda Bank account is a quick and straightforward process. Follow these steps to open your Kuda Bank account:
  • Download the Kuda Bank App: Start by downloading the Kuda Bank mobile application from your device’s app store. The app is available for both Android and iOS platforms.
  • Install and Launch the App: Once the app is installed, open it on your device.
  • Sign Up: On the app’s home screen, you will find a “Sign Up” button. Tap on it to begin the registration process.
  • Provide Your Personal Information: Fill in the required information, including your full name, phone number, and email address. Make sure the details you provide are accurate and up to date.
  • Create a Secure PIN: Set a secure four-digit PIN for your Kuda Bank account. This PIN will be used to access your account and authorize transactions.
  • Complete the KYC Verification: To comply with regulatory requirements, Kuda Bank will need to verify your identity. Follow the prompts to complete the Know Your Customer (KYC) process. You will be asked to provide a valid means of identification, such as your national ID card, driver’s license, or international passport.
  • Take a Selfie: As part of the KYC verification process, you may be required to take a selfie to match with your identification document.
  • Wait for Account Activation: Once you have submitted all the required information, Kuda Bank will review and verify your application. This process usually takes a short time, and you will receive a notification once your account is activated.
  • Start Using Your Kuda Bank Account: Once your account is activated, you can log in using your registered phone number and PIN. You now have access to your Kuda Bank account and can explore its features, such as checking your balance, making payments, and managing your finances.
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Opening a Kuda Bank account offers you a range of benefits, including a modern banking experience, easy access to funds, and a secure platform for managing your money. Enjoy the convenience of banking at your fingertips and start your journey towards financial empowerment with Kuda Bank. Read Also: How to Get Palmpay POS Machine in Nigeria

How To Send Money With Kuda Bank

Sending money with Kuda Bank is a simple and hassle-free process. Follow these steps to send money using the Kuda Bank app:
  • Log In to Your Kuda Bank Account: Open the Kuda Bank app on your smartphone and log in using your registered phone number and PIN.
  • Access the “Send Money” Feature: Once logged in, locate the “Send Money” option within the app. It is usually available on the home screen or in the main menu.
  • Select the Recipient: Choose the recipient to whom you want to send money. You can either select a contact from your phone’s address book or manually enter the recipient’s phone number.
  • Enter the Amount: Specify the amount of money you want to send to the recipient. Double-check the amount to ensure it is accurate.
  • Add a Note (optional): If desired, you can include a brief note or description related to the transaction. This can be useful for keeping track of the purpose of the transfer.
  • Review the Details: Before proceeding, carefully review the recipient’s information, the amount, and any additional notes you have included. Ensure that everything is correct.
  • Authorize the Transaction: To authorize the transfer, you may be prompted to enter your PIN or use your biometric authentication (such as fingerprint or face recognition) for security purposes. Follow the prompts and provide the required authentication.
  • Confirm the Transaction: After authorization, review the final confirmation screen to ensure all details are accurate. If everything looks correct, confirm the transaction to initiate the money transfer.
  • Receive Confirmation: Once the transaction is successfully processed, you will receive a confirmation notification from Kuda Bank. This notification may include details such as the transaction reference number and the updated account balance.
  • Inform the Recipient: Inform the recipient that the money has been sent through Kuda Bank. They will receive a notification on their end regarding the incoming funds.
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With Kuda Bank, sending money is quick, secure, and convenient. Whether you need to send money to friends, or family, or make payments to vendors, the Kuda Bank app simplifies the process and ensures your funds reach their destination reliably.

How To Receive Money With Kuda Bank

Receiving money with Kuda Bank is a seamless and hassle-free process. Follow these steps to receive money using the Kuda Bank app:
  • Log In to Your Kuda Bank Account: Open the Kuda Bank app on your smartphone and log in using your registered phone number and PIN.
  • Share Your Account Details: To receive money, provide the sender with your Kuda Bank account number. This is a unique identifier associated with your account, and it allows the sender to transfer funds directly to your account.
  • Confirm the Transaction: Once the sender initiates the payment and transfers the funds to your Kuda Bank account, you will receive a notification from Kuda Bank regarding the incoming transaction. Review the notification to confirm the details of the transaction, including the amount and the sender’s information.
  • Check Your Account Balance: To verify that the funds have been successfully received, check your Kuda Bank account balance. The received funds should be reflected in your account balance.
  • Utilize the Received Funds: With the funds in your Kuda Bank account, you can use them for various purposes. Make payments, transfer money to other accounts, or keep the funds in your account for future use.

Other Features Of Kuda Bank Account

In addition to its core banking functionalities, a Kuda Bank account offers a range of other features designed to enhance your banking experience. Here are some notable features of a Kuda Bank account:
  • Budgeting and Expense Tracking: Kuda Bank provides tools to help you track and manage your expenses. You can set budgets for different categories and receive notifications when you exceed them. This feature assists in maintaining financial discipline and achieving your savings goals.
  • Savings Goals: With Kuda Bank, you can create savings goals within your account. Whether it’s saving for a vacation, a new gadget, or an emergency fund, you can set a target amount and track your progress. The app allows you to automate regular contributions towards your savings goals.
  • Card Control: Kuda Bank offers card control features that allow you to manage and control your debit card settings directly from the app. You can enable or disable card transactions, set spending limits, and even lock or unlock your card instantly for added security.
  • Instant Notifications: Stay informed about your account activities in real time. Kuda Bank sends instant notifications for transactions, including deposits, withdrawals, and payments. These notifications help you stay updated on your financial transactions and maintain better control over your money.
  • Airtime and Bill Payments: Easily recharge your mobile airtime and pay utility bills directly from the Kuda Bank app. This feature saves you time and effort, eliminating the need to visit physical stores or use separate payment platforms.
  • Automated Recurring Payments: Kuda Bank allows you to set up recurring payments for bills or subscriptions. You can schedule regular payments to be automatically deducted from your account, ensuring that your bills are paid on time without manual intervention.
  • 24/7 Customer Support: If you have any questions, or concerns, or need assistance, Kuda Bank provides round-the-clock customer support through various channels, including in-app chat, email, and phone. Their dedicated support team is available to address your queries and provide assistance whenever you need it.
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These additional features complement the core banking services of Kuda Bank, providing you with a comprehensive and user-friendly banking experience.


How do I send money on Kuda new app? To send money on the Kuda app, log in to your account, navigate to the “Send Money” feature, select the recipient, enter the amount, review the details, and authorize the transaction using your PIN or biometric authentication.

How do I receive money on Kuda?

To receive money on Kuda, provide the sender with your Kuda account number and full name. Once the sender initiates the payment and transfers the funds to your account, you will receive a notification confirming the transaction. Check your account balance to verify the receipt of funds.

How can someone send money to my Kuda account?

To receive money in your Kuda account, share your Kuda account number and full name with the person who intends to send you money. They can initiate the transfer from their own banking app or platform by inputting your account details and the desired amount.

Can I send and receive money on Kuda without BVN?

No, you need a Bank Verification Number (BVN) to fully access the features of Kuda Bank, including sending and receiving money. The BVN is a unique identification number issued by the Central Bank of Nigeria that links all your bank accounts and ensures security and compliance with regulatory requirements.

Can I use Kuda to receive dollars?

Kuda Bank primarily operates in Nigerian Naira (NGN) and does not support the direct receipt of foreign currencies, such as dollars. However, you may be able to receive dollar payments through a different method, such as a linked international bank account or a foreign exchange service.


In conclusion, opening a Kuda Bank account and utilizing the app’s payment features unlocks a world of convenience, flexibility, and financial empowerment. By following the simple steps to open a Kuda Bank account, you can wave goodbye to traditional banking hassles and embrace the future of digital banking.

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