Kuda bank in Nigeria is known for easy banking and one of the ways they achieve this is through their USSD Code service. Kuda Microfinance bank is a digital bank that offers banking service through the use of their mobile app.
Customers can bank seamlessly with their phones from anywhere and one of the service they offer to make banking more accessible is their Kuda USSD Code service. There are several Unstructured Supplementary Service Data (USSD) codes, that the bank has made available to customers to transact with without needing internet connections.
The Kuda Bank USSD code is available to both new and old customers to transfer money, recharge, pay bills and more from the comfort of wherever they may reside. Today we are going to reveal the list of all Kuda bank’s USSD Code for seamless banking.
About Kuda Bank
Kuda Bank came into existence due to the growing need for reformation in the banking sector. Before its existence in 2019, there was serious issue excessive bank charges (for inconsistent services) in the banking sector. Kuda bank was founded by Babs Ogundeyi and Musty Mustapha with the aim of revolutionizing the banking industry in Nigeria.
The goal was to make savings easy, accessible and very low cost. This team of intellectuals launched a savings app for Nigerians. It is the app that has now grown to become a Microfinance bank licensed by the Central Bank of Nigeria.
Kuda Microfinance bank is a fintech company that functions solely online with easy access to banking service when you download the Kuda App. In order to make banking more accessible, Kuda bank also came up with its USSD code service that avails persons without smartphone or internet connection to bank without restrain.
What Is Kuda Bank USSD Code
Kuda bank has several USSD codes for various transactions you want to carry out. For example the USSD code *894#, is to send money from a First bank account to your Kuda bank account. Also people who want to send money from their GTBank account to their Kuda Bank account can use *737# to do so.
There are other Kuda bank USSD codes that I will be discussing as we go further and how to use them for seamless banking.
Features Of Kuda Bank USSD Code
The Kuda Bank USSD code like most bank codes has several functions and can be used by anyone who has a Kuda bank account. It is however important to note that some of these codes will incur service charge when you use them. Below are some of the functions of Kuda Bank USSD code:
- Pay bills
- Transfer funds to Kuda Bank account
- Check Account Balance
- Top-up Airtime
- Transfer Funds from Kuda Bank Account
- Open A Kuda Bank Account
- Generate OTP
- Apply for Kuda Loan
- Access Customer Care Service
- Check Transaction History
How To Register and Activate The Kuda Bank USSD Code
Before you can make use of the Kuda bank USSD Code you must register your phone number you will be using and activate the service. Below is how you can register and activate the Kuda bank USSD Code:
1. First of all for the service to work you must have a Kuda bank account. If you don’t have one, you can download the Kuda Bank app from the App Store or Google Play Store and follow the account opening process. If you already have an account, you can skip this process.
2. Since Kuda bank is a mobile bank you will have to Sign Up on the App and fill in all the information required.
3. Once you have filled your Information, you will be required to verify your identity. You can use any of your Government issued ID(Passport, Driver’s License, Voter’s Card, National Identity Card) card to do that.
4. When you Identity is verified, you will need to create a password and other security features like security questions to make your account fully secured.
5. If you have finished the above process, you can now fund your account and start using the Kuda Bank USSD features.
Advantages Of Using The Kuda Bank USSD Code
As advantageous as it is to use the Kuda bank because of its online nature, there are further advantages of using the Kuda bank USSD Code service. They are listed below:
1. Speed
Transactions carried out using the Kuda Bank USSD code are usually processed instantly, which means you can receive funds or make payments quickly. You don’t have to depend on internet connections that might be slow or unavailable sometimes
2. Cost-effective
Kuda Bank is regarded as the bank of the free, therefore most of their service is either free or low cost. The Kuda bank USSD code service is one low cost service that you can use without worrying about incurring a lot of cost.
3. Easy to Use
The Kuda Bank USSD Code service is quite easy to use as you just need to type in some codes into your phone keypad to carryout transactions. Customers who are not tech inclined do not have to worry about navigating the Kuda bank Mobile App, they can easily transact with their phone keypad.
4. Availability
Asides from its speed the Kuda Bank USSD code service is available 24/7, and every day of the week. You don’t have to worry about close time not having access during public holidays like traditional banks.
5. Secure
The Kuda bank USSD code service is very secure, therefore you don’t have to worry about your information being stolen or your account hacked. As long as it is well registered and you have your security pin active, you can transact safely.
6. Access to a Range of Services
Kuda bank USSD code service gives you access to a wide range of service. There is barely limitation on the transactions you can carry out with the code. Customers can even apply for a loan using the Kuda bank USSD code and they will be credited when approved.
7. Convenience
Just like the Kuda bank Mobile App, the USSD service is very convenient to use. You do not require internet service or a smartphone to make use of the service and you can use it from the comfort of wherever you are.
List Of Kuda Bank USSD Code
| Transactions | Kuda Bank USSD Code |
| Check Balance | *894# |
| Airtime Top Up For Self | *894*Amount# |
| Airtime Top Up Others | *894*Amount*Phone Number# |
| Transfer From GTBank to Kuda Bank | *737*50*Amount*416# |
| Transfer From UBA to Kuda Bank | *919*4*Kuda Bank Account Number*Amount# |
| Transfer From First Bank to Kuda Bank | *894*Amount*Kuda Bank Account Number# |
| Transfer From Zenith Bank to Kuda Bank | *966*Amount*Kuda Account Number# |
| Transfer From Wema Bank to Kuda Bank | *945*Kuda Bank Account Number*Amount# |
| Transfer From Access Bank to Kuda Bank | *901*Amount*Kuda Bank Account Number# |
Kuda Bank USSD Code To Check Account Balance
You can easily check your Kuda bank account balance on your mobile phone without using internet connection. In order to do this dial *894# on the mobile number linked to your Kuda bank and follow the prompt. Your account balance will display on the screen.
Kuda Bank USSD Code For Airtime Recharge
Kuda bank has USSD code that can be used for airtime recharge. If you want to recharge your phone from your Kuda bank, simply dial *894*Amount# and your account will be recharge. If you want to recharge a number that is not your own, you can also do that by dialing the code *894*Amount*Phone Number#.
How To Transfer From GTBank To Kuda Bank
You can easily transfer money from your GTBank account to your Kuda Bank account using the USSD code. Dial *737*50*Amount*416# on the phone number linked to your bank and follow the prompt to complete your transaction.
In the place of the amount, you should input the amount you wish to transfer, make sure you have the money in your account before carrying out the transaction. Once the transfer is successful you will receive an alert notifying you of your transfer.
How To Transfer From UBA To Kuda Bank
Kuda bank customers who also have an account with UBA can transfer money from their UBA account to their Kuda bank account. For this to be possible they will have to dial the code *919*4*Kuda Bank Account Number*Amount# on the phone number linked to their bank and follow the prompt. Once you have completed the request including inputting your transfer pin, the transfer will be initiated.
How To Transfer From First Bank To Kuda Bank
It is also easy to transfer money from your First bank account to your Kuda bank account. You can make use of the code *894*Amount*Kuda Bank Account Number#. Dial this code on the phone number linked to your account and your Kuda account and follow the prompt.
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 you can use the short code. Dial 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 any amount of money to their Kuda bank with the use of the Kuda bank USSD code. All they need to do is dial the code *945*Kuda Bank Account Number*Amount#. In the place of the Kuda bank account number, they should input the their Kuda bank account number.
After they click on send they will receive a prompt asking them to select the bank they want to transfer to, they can select Kuda bank. The next step is to enter their Wema bank transfer pin and the transaction will be authorized.
How To Transfer From Access Bank To Kuda Bank
If you want to transfer money from your Access bank account to your Kuda bank account then you should follow this step. Dial the code *901*Amount*Kuda Bank Account Number# on the phone number that is linked to your account.
After you have dialed the code, you will be required to select the bank you want to transfer to from the list of banks available. Select Kuda bank and input your Access bank transaction pin. This will allow your transaction to be processed and your Kuda bank account credited.
How To Deactivate The Kuda Bank USSD Code
There might be a time when you decide to deactivate your Kuda Bank USSD code. If you decide to do that now, you can follow this easy step to have the code deactivated.
- 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.
- Select “Deactivate Account” from the list of options.
- You will be prompted to confirm that you want to deactivate the USSD code. Select “Yes” to confirm.
- You will receive a message confirming that your USSD account has been deactivated.
If you have difficulty setting up your Kuda Bank USSD code, you can call their customer care number or visit any of the Kuda bank branches in Nigeria to have it sorted. Kuda Bank USSD code is a convenient, easy-to-use, and cost-effective way to manage your finances. With the USSD code, you can access a range of banking services anytime, anywhere, and carry out transactions securely and quickly.