If you’re curious about whether Kuda Bank offers a USSD code for transfers and airtime recharge, the answer is a resounding yes. Kuda Bank provides several USSD codes that allow you to perform transactions without the need to visit a physical bank or rely on an internet connection.
Kuda Bank, a pioneering microfinance institution accredited by the Central Bank of Nigeria, has not only set new standards but also revolutionized the way Nigerians manage their finances. One of its game-changing innovations is the introduction of USSD codes, which has redefined banking for its users.
Kuda Bank USSD codes have emerged as a pivotal tool, enabling individuals to perform essential financial transactions with remarkable ease, all without the dependency on smartphones or internet connections. As a Kuda Bank user, you gain the ability to initiate money transfers, settle bills, and even top up your airtime, eliminating the need to log into the Kuda App or visit a physical bank branch.
In this article, we aim to guide you through the proper and efficient use of Kuda Bank’s USSD codes. By the end of this guide, you will be well-equipped to harness the full potential of this innovative banking tool, making your financial management smoother and more accessible than ever.
Table of Contents
What is Kuda Bank?
Kuda Microfinance Bank is a digital bank that primarily operates online. It leverages its mobile app to offer an array of banking services, including free cash deposits, bill payments, and up to 25 free transfers to other banks each month. In addition to its mobile app, Kuda Bank also offers the convenience of USSD codes for various transactions.
A Strategic Partnership with Prominent Banks
Kuda Bank has strategically collaborated with top-tier commercial banks, including GTBank, Zenith Bank, and Polaris Bank, among others. This partnership streamlines the banking experience, ensuring that Kuda customers can seamlessly conduct various transactions with utmost convenience.
Kuda Bank in a Nutshell
Kuda Bank is a digital-only bank that has been making waves in Nigeria since its establishment in 2019. Founded by Babs Ogundeyi and Musty Mustapha, the bank’s mission is to revolutionize the banking industry in Nigeria. Kuda Bank is fully licensed by the Central Bank of Nigeria (CBN) and operates with a microfinance banking license.
The bank provides a suite of financial services, including savings and current accounts, loans, and bill payments. Access to these services is made easy through its user-friendly mobile app, available on both Android and iOS platforms. Customers of Kuda Bank enjoy attractive benefits such as zero account maintenance fees, zero ATM card maintenance fees, and free transfers to any bank in Nigeria.
One of Kuda Bank’s standout features is its commitment to excellent customer service. The bank has a dedicated customer support team available 24/7 to assist customers with their inquiries and issues. This commitment has propelled Kuda Bank to a position of respect in the Nigerian banking industry as a provider of top-notch customer service.
In recognition of its innovative approach to banking, Kuda Bank was named the Best Mobile Bank in Nigeria by World Finance in 2020. The bank has also been honored by the African Digital Awards for its contributions to the growth of the digital economy in Nigeria.
About Kuda Bank USSD Code
While Kuda Bank primarily operates through its mobile app, it does offer the convenience of USSD codes for certain transactions. It’s important to note that Kuda Bank doesn’t have a unique USSD code for comprehensive transactions like money transfers to other accounts or bill payments. Instead, it offers specific USSD codes for functions such as transferring money from select banks to your Kuda Bank account.
Here are some USSD codes you can use with Kuda Bank:
Registering and Activating the Kuda Bank USSD Code
To utilize the Kuda Bank USSD code, you need to activate the service. Here’s how you can do it:
- Ensure you have a Kuda Bank account. If not, you can download the Kuda Bank app from the App Store or Google Play Store and follow the account opening process.
- Dial *919# from the mobile number registered with your Kuda Bank account.
- Enter your Kuda Bank account number and press “Send.”
- Create a 4-digit PIN for the USSD service. Confirm the PIN by entering it again.
- You’ll receive a message confirming your registration for Kuda Bank’s USSD service.
- To activate the USSD code, dial *919# again and enter your 4-digit PIN.
- You’ll be taken to the USSD menu, where you can access Kuda Bank’s range of banking services.
Advantages of Using the Kuda Bank USSD Code
Using Kuda Bank’s USSD code for your banking needs comes with several advantages, including:
- Convenience: It’s a convenient way to manage your finances using your mobile phone, making banking accessible.
- Ease of Use: The USSD code is simple and doesn’t require a smartphone or internet connection, just a basic mobile phone.
- Availability: Accessible 24/7, you can perform transactions at any time, including weekends and holidays.
- Security: Kuda Bank’s USSD service uses encryption to protect your transactions and personal information.
- Speed: USSD transactions are typically processed instantly, ensuring quick funds transfer and payments.
- Cost-Effective: It doesn’t require internet access or data charges, and there are no transaction fees for using the USSD code.
- Range of Services: You can use the USSD code to check your account balance, transfer funds, pay bills, and buy airtime and data.
List of Kuda Bank USSD Codes for Transactions
| No. | Transactions | Kuda Bank USSD Code |
| 1. | Check Balance | *894# |
| 2. | Airtime Top-Up For Self | *894*Amount# |
| 3. | Airtime Top Up Others | *894*Amount*Phone Number# |
| 4. | Transfer From GTBank to Kuda Bank | *737*50*Amount*416# |
| 5. | Transfer From UBA to Kuda Bank | *919*4*Kuda Bank Account Number*Amount# |
| 6. | Transfer From First Bank to Kuda Bank | *894*Amount*Kuda Bank Account Number# |
| 7. | Transfer From Zenith Bank to Kuda Bank | *966*Amount*Kuda Account Number# |
| 8. | Transfer From Wema Bank to Kuda Bank | *945*Kuda Bank Account Number*Amount# |
| 9. | Transfer From Access Bank to Kuda Bank | *901*Amount*Kuda Bank Account Number# |
How to Check Your Kuda Bank Account Balance
You can easily check your Kuda Bank account balance on your mobile phone without an internet connection. Just dial *894# on the mobile number linked to your Kuda Bank account and follow the prompts. Your account balance will be displayed on the screen.
How to Recharge Airtime with Kuda Bank USSD Code
Kuda Bank offers a USSD code for airtime recharge. To top up your phone from your Kuda Bank account, simply dial *894*Amount#, if you need to recharge a number that isn’t yours, use the code 894Amount*Phone Number#.
How to Transfer from GTBank to Kuda Bank
Transferring money from your GTBank account to your Kuda Bank account is a breeze with the USSD code. Dial *737*50*Amount*416# on the phone number linked to your GTBank account and follow the prompts to complete the transaction. Ensure you have sufficient funds in your account before initiating the transfer.
How to Transfer from First Bank to Kuda Bank
Transferring money from your First Bank account to your Kuda Bank account is straightforward. Use the code *894*Amount*Kuda Bank Account Number# on the phone number linked to your First Bank account. Follow the prompts to complete the transfer.
How to Transfer from UBA to Kuda Bank
Kuda Bank customers with a UBA account can transfer money to their Kuda Bank account using the USSD code. Dial *919*4*Kuda Bank Account NumberAmount# on the phone number linked to your UBA account. Follow the prompts and provide your transfer PIN to authorize the transaction.
How to Transfer from Zenith Bank to Kuda Bank
If you want to transfer money from your Zenith Bank account to your Kuda Bank account, use the code *966*Amount*Kuda Account Number#. Find and select Kuda as the bank to send money to, then enter your Zenith bank transaction pin to authorize the transfer.
How to Transfer from Wema Bank to Kuda Bank
Wema Bank customers can transfer funds to their Kuda Bank account using the USSD code *945*Kuda Bank Account Number*Amount#. Input your Kuda Bank account number where required. Follow the prompts and select Kuda as the receiving bank. Enter your Wema bank transfer pin to authorize the transaction.
How to Transfer from Access Bank to Kuda Bank
Transferring money from your Access Bank account to your Kuda Bank account is a breeze. Dial the code *901Amount*Kuda Bank Account Number# on the phone number linked to your Access Bank account. Select Kuda as the receiving bank and provide your Access bank transaction pin to authorize the transaction.
How To Add Money to Your Kuda Bank Account Using USSD
Currently, not all banks support transfers through the Kuda Bank USSD code. Only banks like GTBank, Zenith Bank, and Polaris Bank are compatible with the Kuda Bank USSD code. To ensure a seamless transaction, follow these steps:
- Open your Kuda Bank App.
- On your dashboard, select ‘Add Money.’
- Choose ‘Add by USSD.’
- Enter the amount you wish to send.
- Select the appropriate USSD code to dial.
- Follow the on-screen instructions to complete the transaction.
Please note: You have the option to use debit or credit cards to send money, in addition to making transfer deposits using Kuda Bank USSD codes.
Requirements for Using Debit or Credit Cards to Add Money to Your Kuda Bank Account:
When using debit or credit cards to add money to your Kuda Bank Account, there is a fee associated with the transaction. This fee is charged through a gateway such as Interswitch, Paystack, or Flutterwave.
To ensure a successful transaction, you’ll need to:
- Provide your Bank Verification Number (BVN).
- Add a government-issued ID.
By completing these requirements, your transfer limit will be raised to ₦100,000. For each local card transfer, a gateway fee of ₦100 plus 1.5% will be applied. For international card transfers, there will be a gateway fee of ₦100 plus 4% on the transferred amount.”
Deactivating the Kuda Bank USSD Code
If you decide to deactivate your Kuda Bank USSD code, follow these steps:
- Dial *919# from the mobile number registered with your Kuda Bank account.
- Enter your USSD PIN and press “Send.”
- Select “Help” from the USSD menu.
- Choose “Deactivate Account” from the list of options.
- You’ll be prompted to confirm the deactivation. Select “Yes” to confirm.
- You’ll receive a message confirming the deactivation of your USSD account.
Conclusion: Kuda Bank USSD code
Making transfers with the Kuda Bank USSD code is a straightforward process, follow the instructions outlined above. Just download the Kuda Microfinance Bank app on your smartphone, complete the registration process, and you’re ready to start banking with ease. Enjoy the convenience of hassle-free transactions with Kuda!
Should you in case you encounter any difficulties setting up your Kuda Bank USSD code, you can reach out to their customer care service or visit any Kuda Bank branches in Nigeria for assistance. The Kuda Bank USSD code offers a convenient, user-friendly, and cost-effective way to manage your finances. With this USSD code, you can access a range of banking services securely and quickly, anytime and anywhere.