Kuda Bank USSD Code: Full Guide and FAQs

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Kuda Bank Nigeria
Kuda Bank Nigeria

Kuda Bank USSD Code: Full Guide and FAQs

Kuda Bank's USSD code for direct banking transactions is often a source of confusion for users. Kuda Bank, however, does not have a dedicated USSD code. To add funds to your Kuda account, you can use USSD codes from other banks. Here's everything you need to know about Kuda Bank USSD:

Understanding Kuda Bank USSD Service

For transactions such as fund transfers, bill payments, and balance inquiries, Kuda Bank does not offer a dedicated USSD code. To add to your Kuda account, you can only use USSD codes from other Nigerian banks.

How to Use Kuda USSD Codes

Kuda USSD allows users to add to their Kuda accounts and make payments to merchants. This is not intended for other banking activities. Kuda supports USSD in the following ways:

Adding to Kuda via USSD

  1. Identify the sending bank's USSD code: Find the USSD money transfer code for the bank you want to transfer funds from (e.g., , ).

  2. Initiate Transfer via Kuda App:

    • Open your Kuda app and navigate to the “Add Money” section.

    • Select “USSD” and choose the bank from which you want to transfer funds.

    • Copy your Kuda account number and dial the sending bank's USSD code.

  3. Follow the prompts: Follow the on-screen instructions to enter your Kuda account number, transfer amount, and authorize the transaction using your bank's verification method (PIN or token).

  4. Complete Transfer: Once authorized, the funds should reflect in your Kuda account shortly.

Pay with USSD on Kuda

  1. Initiate Payment:

    • Open your Kuda app and navigate to the “Pay” section.

    • Select “USSD” and enter the USSD code received from the merchant's website.

  2. Merchant interaction:

    • Tap “Next” to proceed. Kuda will communicate with the merchant's website using USSD for verification.

  3. Confirm payment:

    • Authenticate the transaction using your fingerprint, Face ID, or transaction ID as prompted by the Kuda app.

  4. Transaction Completion: Receive confirmation both on the merchant's website and your Kuda app upon successful payment.

Frequently Asked Questions About Kuda Bank USSD

  1. What is the Kuda USSD Code used for?

    • The Kuda USSD service allows users to add money to their Kuda account and pay merchants within Nigeria.

  2. Does Kuda Bank have its own USSD code for transactions?

    • No, Kuda Bank does not provide a USSD code for direct banking activities such as transfers or balance inquiries. Use other banks' USSD codes to add funds to your Kuda account.

  3. How do I add money to Kuda using USSD?

    • Open the Kuda app, navigate to “Add Money,” select “USSD,” choose the sending bank, enter your Kuda account number, and follow the prompts to complete the transfer.

  4. Can I pay with USSD on Kuda?

    • Yes, you can use USSD to pay securely at Nigerian merchants. Access this feature through the “Pay” section in your Kuda app.

  5. Are there any fees for USSD with Kuda?

    • Fees may apply, especially for merchant payments. Check with Kuda or your bank for transaction fees.

  6. Is Kuda USSD secure?

    • Yes, Kuda maintains strict security measures to protect USSD transactions, including authentication via biometrics or transaction IDs.

  7. Can I use any bank's USSD code to add money to Kuda?

    • Yes, as long as the sending bank supports USSD transfers, you can use their USSD code to add funds to your Kuda account.

  8. How do I activate the USSD code for Kuda transactions?

    • USSD codes from other banks are pre-enabled by your bank. Simply dial the respective bank's USSD code and follow the prompts on your Kuda app to complete the transaction.

Adding Money to Your Kuda Account via USSD: A Step-Step Guide

You can easily add funds to your Kuda account using USSD codes from select Nigerian banks. Follow these steps based on the bank you are transferring from:

Using USSD codes:

(*737#):

  1. Dial *737*50amount*416# from your phone.

  2. Follow the on-screen prompts to enter your Kuda account number and complete the transfer.

First Bank (*894#):

  1. Dial the Kuda account number from the phone number linked to your First Bank account.

  2. Follow the prompts displayed on your screen to finalize the transaction.

(*945#):

  1. Dial *945* Kuda account number*amount# from your registered phone number.

  2. Select option 3 (Send Money) -> 2 (Other Banks) -> Enter your Kuda account number -> 9 (Next) -> 1 (Kuda MFB) to complete the transfer.

(*966#):

  1. Dial *966*Kuda account number from your Zenith Bank registered phone number.

  2. Select “Other Banks” and navigate to locate Kuda Microfinance Bank, then follow the prompts to complete the transfer.

Steps to Add Money via the Kuda App:

  1. Open the Kuda App: Launch the Kuda mobile banking app.

  2. Navigate to Add Money. Tap on “Add Money” on your dashboard.

  3. Select Add By USSD: Choose the option to add funds using USSD.

  4. Enter the amount. Input the amount you wish to send to your Kuda account.

  5. Dial USSD Code: Tap on the relevant USSD code and follow the instructions on your screen to complete the transaction.

Important Notes:

  • Ensure you have sufficient funds in your bank account.

  • Transactions may attract fees, depending on the bank and the amount transferred.

  • Verify all details entered before confirming the transaction to avoid errors.

Adding money to your Kuda account via USSD is quick and convenient, allowing you to manage your finances seamlessly. For further assistance or inquiries, contact Kuda Bank customer support.

Conclusion

Even though Kuda Bank does not offer its own USSD code for banking transactions, you can conveniently add money to your Kuda account. USSD codes from other Nigerian banks can also be used to make payments. Enjoy secure, hassle-free transactions across Nigeria with the Kuda app.

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