Kuda Bank, a renowned digital bank in Nigeria, offers seamless banking services through its USSD codes. These codes enable customers to perform various transactions without internet access, making banking more accessible and convenient.

About Kuda Bank

Kuda Bank was founded in 2019 by Babs Ogundeyi and Musty Mustapha to revolutionize Nigeria’s banking sector. It aimed to address issues like excessive bank charges and inefficient services. As a licensed microfinance bank, Kuda offers a mobile app that facilitates easy banking. To cater to users without smartphones or internet access, Kuda introduced its USSD code service.

What Are Kuda Bank USSD Codes?

Kuda Bank’s USSD codes allow customers to perform various banking activities. Here are some key codes:

• Transfer from First Bank to Kuda Bank: *894#
• Transfer from GTBank to Kuda Bank: *737#
• Transfer from UBA to Kuda Bank: *919#
• Transfer from Zenith Bank to Kuda Bank: *966#
• Transfer from Wema Bank to Kuda Bank: *945#
• Transfer from Access Bank to Kuda Bank: *901#

Features of Kuda Bank USSD Codes

Kuda Bank’s USSD codes offer numerous functionalities, including:

• Paying bills
• Transferring funds
• Checking account balance
• Recharging airtime
• Opening an account
• Generating OTPs
• Applying for loans
• Accessing customer care
• Checking transaction history

How to Register and Activate Kuda Bank USSD Codes

To use Kuda Bank’s USSD codes, follow these steps:

1. Open an Account: Download the Kuda Bank app from the App Store or Google Play Store and complete the account opening process.
2. Sign Up: Register on the app and provide the required information.
3. Verify Identity: Use any government-issued ID to verify your identity.
4. Set Security Features: Create a password and set up security questions.
5. Activate USSD Service: Once your account is set up, you can start using Kuda Bank’s USSD features.

Advantages of Using Kuda Bank USSD Codes

1. Speed: Transactions are processed instantly.
2. Cost-Effective: Kuda Bank services are generally low-cost or free.
3. Ease of Use: Simple codes make transactions easy, even for non-tech-savvy users.
4. Availability: USSD services are available 24/7.
5. Security: The service is secure with PIN protection.
6. Range of Services: Access to a wide range of banking services.
7. Convenience: No need for internet or a smartphone.

List of Kuda Bank USSD Codes

Transaction	Kuda Bank USSD Code
Check Balance	*894#
Airtime Top-Up (Self)	894Amount#
Airtime Top-Up (Others)	894Amount*Phone Number#
Transfer from GTBank to Kuda Bank	73750Amount416#
Transfer from UBA to Kuda Bank	9194Kuda Bank Account NumberAmount#
Transfer from First Bank to Kuda Bank	894Amount*Kuda Bank Account Number#
Transfer from Zenith Bank to Kuda Bank	966Amount*Kuda Account Number#
Transfer from Wema Bank to Kuda Bank	945Kuda Bank Account Number*Amount#
Transfer from Access Bank to Kuda Bank	901Amount*Kuda Bank Account Number#

How to Use Kuda Bank USSD Codes

Check Account Balance

Dial *894# from the registered mobile number and follow the prompts.

Airtime Recharge

• Self: Dial 894Amount#.
• Others: Dial 894Amount*Phone Number#.

Transfer Funds

• GTBank to Kuda Bank: Dial 73750Amount416#.
• UBA to Kuda Bank: Dial 9194Kuda Bank Account NumberAmount#.
• First Bank to Kuda Bank: Dial 894Amount*Kuda Bank Account Number#.
• Zenith Bank to Kuda Bank: Dial 966Amount*Kuda Account Number#.
• Wema Bank to Kuda Bank: Dial 945Kuda Bank Account Number*Amount#.
• Access Bank to Kuda Bank: Dial 901Amount*Kuda Bank Account Number#.

How to Deactivate Kuda Bank USSD Codes

To deactivate, follow these steps:

1. Dial *919# from the registered mobile number.
2. Enter your USSD PIN and press “Send.”
3. Select “Help” and then “Deactivate Account.”
4. Confirm deactivation by selecting “Yes.”
5. You will receive a confirmation message.

Conclusion

Kuda Bank’s USSD codes offer a convenient, cost-effective, and secure way to manage your finances without internet access. With these codes, you can perform various banking transactions anytime, anywhere.

For assistance, contact Kuda Bank’s customer care or visit any Kuda Bank branch in Nigeria.