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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Are you looking for a modern and convenient way to manage your finances? Look no further than Kuda Bank, a digital-first bank that provides seamless banking services through its innovative mobile app. Opening a Kuda Bank account is quick and hassle-free, allowing you to enjoy the benefits of hassle-free transactions, easy money transfers, and much more.

In this guide, we will walk you through the simple steps of opening a Kuda Bank account and utilizing the app to make payments and send/receive money effortlessly. Whether you’re a tech-savvy individual or new to digital banking, Kuda Bank provides a user-friendly platform that caters to your financial needs.

By downloading the Kuda Bank app from your app store, you gain access to a range of banking services right at your fingertips. From account balance inquiries to fund transfers, bill payments, and even budgeting tools, Kuda Bank empowers you to take control of your finances in a secure and convenient manner.

Once you have successfully set up your Kuda Bank account, you can begin making payments and sending money to friends, family, or business partners with just a few taps on your phone. The app’s intuitive interface ensures a smooth user experience, making financial transactions a breeze.

Moreover, Kuda Bank also enables you to receive money effortlessly. Whether you’re expecting payments from clients, receiving funds from loved ones, or even receiving salary payments, Kuda Bank provides you with a dedicated account number and QR code that simplifies the process.

So, if you’re ready to embrace the future of banking and experience the convenience of digital financial services, join the growing community of Kuda Bank users today. Follow our comprehensive guide to open your Kuda Bank account and unlock a world of seamless payments, instant transfers, and financial empowerment.

Kuda Bank Signup and Registration: How To Create Kuda Bank Account 

To open a Kuda Bank account, you can follow these steps:

  1. Download the Kuda Bank app: Visit the App Store (for iOS devices) or the Google Play Store (for Android devices) on your mobile phone. Search for “Kuda Bank” and download the app.
  2. Install and open the app: Once the app is downloaded, install it on your mobile phone and open it.
  3. Sign up for an account: Launch the Kuda Bank app and click on “Sign Up” or “Create an Account” to start the registration process.
  4. Provide your personal information: Fill in the required information, such as your full name, phone number, and email address. Ensure that you enter accurate and valid details.
  5. Verify your phone number: Kuda Bank will send you a verification code via SMS to the phone number you provided. Enter the code in the app to verify your phone number.
  6. Set up your account: Follow the instructions on the app to set up your account. This may include creating a secure PIN or password.
  7. Complete your profile: Provide additional information, such as your date of birth, address, and occupation, to complete your profile.
  8. Fund your account: Once your account is set up, you can fund it by linking your debit card or by transferring money from another bank account.
  9. Activate your debit card: If you opted for a physical debit card during the registration process, you may need to activate it within the app. Follow the instructions provided to activate your card.
  10. Start using your Kuda Bank account: Once your account is activated and funded, you can start using it for various banking activities, such as making deposits, withdrawals, transfers, and payments.
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How To Send Money With Kuda Bank App 

To send money using the Kuda Bank app, you can follow these steps:

  1. Launch the Kuda Bank app: Open the Kuda Bank app on your mobile phone and log in to your account using your PIN or password.
  2. Navigate to the “Send Money” feature: Look for the “Send Money” option on the app’s home screen or in the main menu. Tap on it to proceed.
  3. Select the recipient: Choose the recipient from your contacts or enter their bank account details manually. Ensure that you enter the correct recipient information to avoid any errors or misdirected transfers.
  4. Enter the amount: Specify the amount you want to send to the recipient. Double-check the entered amount to ensure accuracy.
  5. Choose the funding source: Select the account or card from which you want to send money. If you have multiple accounts or funding sources linked to your Kuda Bank account, make sure to select the desired one.
  6. Review the details: Take a moment to review the recipient’s information, the amount, and the funding source to ensure everything is accurate.
  7. Confirm the transaction: Once you have reviewed the details, tap on the “Confirm” or “Send” button to initiate the money transfer.
  8. Verify the transaction: Depending on the transaction security measures set up on your Kuda Bank account, you may need to verify the transaction using a verification code or your biometric data (such as fingerprint or face recognition).
  9. Transaction confirmation: After successfully completing the verification process, you will receive a transaction confirmation indicating that the money transfer was successful.
  10. Notification to the recipient: The recipient will receive a notification that they have received money in their bank account, depending on the recipient’s bank and their notification settings.

It’s important to note that transaction fees or limits may apply when sending money using the Kuda Bank app.

How To Recieve Money With Kuda Bank

To receive money using the Kuda Bank app, you can follow these steps:

  1. Launch the Kuda Bank app: Open the Kuda Bank app on your mobile phone and log in to your account using your PIN or password.
  2. Provide your account details: Depending on the method chosen by the sender, you may need to provide your bank account number, account name, and bank name. Ensure that you provide accurate information to avoid any issues with the transfer.
  3. Share your account details: After entering your account details, you will be presented with options to share the necessary information with the sender. You can choose to share your account details via SMS, email, or other messaging apps.
  4. Wait for the transfer: Once you have shared your account details with the sender, you will need to wait for them to initiate the transfer. The time it takes for the money to reach your account may vary depending on the sender’s bank and the transfer method used.
  5. Check your account balance: After the transfer is initiated, you can check your account balance on the Kuda Bank app to see if the money has been credited to your account.
  6. Transaction notification: You may receive a notification from Kuda Bank once the money is successfully credited to your account.
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Remember, the sender needs to have your correct account details to send money to you. It’s essential to provide accurate information and double-check it before sharing with the sender.

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How can I receive money to my Kuda account? 

To receive money to your Kuda account, you need to provide your Kuda account details, including your account number and bank name, to the sender. Once they have your account details, they can initiate a transfer from their bank account to your Kuda account. You will receive the money in your Kuda account once the transfer is completed.

How do I transfer money from Kuda mobile app? 

To transfer money from the Kuda mobile app, follow these steps:

  • Log in to your Kuda account.
  • Tap on the “Send Money” option on the app’s home screen or in the main menu.
  • Enter the recipient’s details, such as their bank account number or choose them from your contacts.
  • Specify the transfer amount and select the funding source.
  • Review the details and confirm the transaction. Verify the transaction if prompted.
  • Once confirmed, the money will be sent from your Kuda account to the recipient’s designated account.

How does Kuda payment link work? 

Kuda payment links allow you to request money from others by generating a unique link that you can share with them. When someone clicks on the payment link, they will be redirected to a page where they can enter the desired amount and complete the payment using their preferred payment method. The funds will then be credited to your Kuda account.

Can I send and receive money on Kuda without BVN? 

No, you need a Bank Verification Number (BVN) to send and receive money on Kuda. BVN is a unique identification number linked to your bank account, which helps verify your identity and prevent fraud. It is a regulatory requirement for financial transactions in Nigeria.

How do I send money on Kuda without the app? 

Sending money on Kuda requires the use of the Kuda mobile app.


In conclusion, opening a Kuda Bank account and making payments through their mobile app is a convenient and user-friendly process. To open an account, download the Kuda Bank app, provide your personal information, and complete the registration steps. Once your account is set up, you can easily send and receive money using the app.

To send money, access the “Send Money” feature, enter the recipient’s details, specify the amount, and confirm the transaction. You can choose the funding source and verify the transaction for added security. The recipient will receive a notification once the transfer is successful.

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