---
title: "Kuda: Mobile Banking in Nigeria — Download"
description: "Open a Nigerian account in minutes, no maintenance fees. 25 free monthly transfers to Nigerian banks, plus Visa cards, bills and loans up to ₦150,000."
canonical_url: "https://liners.com/kuda"
markdown_url: "https://liners.com/kuda.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/kuda/screenshot.webp?v=1771638837388"
published_at: "2026-02-21T11:11:36.791Z"
updated_at: "2026-08-31T05:10:26.544Z"
---

# Kuda: Mobile Banking in Nigeria — Download

Open a Nigerian account in minutes, no maintenance fees. 25 free monthly transfers to Nigerian banks, plus Visa cards, bills and loans up to ₦150,000.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Kuda](/kuda)

## Summary

Fee-free mobile banking with transfers, savings, and cards

A CBN-licensed money app for Africans that offers zero maintenance fees, 25 free monthly transfers to Nigerian banks, savings, bills, cards, and loans.

## Product details

| Field | Value |
| --- | --- |
| Website | https://kuda.com/ |
| Tagline | Fee-free mobile banking with transfers, savings, and cards |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web, API |
| Average rating | 4.4 |
| Published reviews | 17 |
| Verified listing | Yes |

## About the product

Kuda is a CBN-licensed digital banking app for Africans that helps individuals and small businesses open an account in minutes and manage everyday money from a phone.

Key capabilities include:
- **Account and transfers**: Open an account quickly, get **25 free transfers to Nigerian banks every month**, and send unlimited free transfers to other users via a **Kuda Username**.
- **Cards and payments**: Order a **physical Visa debit card** with pickup or delivery options, use a **virtual card** for online payments, pay bills, and buy airtime.
- **Saving and money management**: Set up **automatic savings** (including saving as you spend), earn annual interest on savings (rates vary by market), and use **budgeting and spending analysis** tools.
- **Credit and extras (market-dependent)**: Access **instant loans up to ₦150,000** in Nigeria, plus features such as US stock investing, international transfers (UK and Canada to Nigeria), and eSIM purchases in supported countries.

Available on **Android**, **iOS**, and **Web**.

Built for **Nigerian consumers** and **entrepreneurs or small business owners**, including those who need business tools like **POS**, **bulk transfers**, and **payroll management**.

Notable in the African fintech market for its **no maintenance fees** approach, clear pricing for extra transfers, and regulatory footing through **Kuda Microfinance Bank**, which is **licensed by the Central Bank of Nigeria** (with deposits insured by the **NDIC** in Nigeria).

## Features

- [Fintech](/categories/fintech): Category
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/kuda/alternatives)
- [Reviews](/kuda/reviews)
- [Transparency](/kuda/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/kuda)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)