How to Open Kuda Bank Account with USSD Code 2024 – Quick and Easy Guide

How to Open a Kuda Bank Account Without Using USSD in 2024

Kuda Bank is one of the top digital banks in Nigeria, providing a modern mobile banking experience. Kuda aims to make banking seamless and accessible to all.

While most traditional banks allow account opening via USSD codes, Kuda currently does not offer this facility. However, you can easily open a Kuda account fully digitally in minutes using their user-friendly mobile app.

How to Open a Kuda Bank Account Without Using USSD

Here is a detailed guide on how to open and activate your Kuda Bank account without using USSD codes:

Step 1: Download the Kuda Mobile App

Since Kuda is a mobile-first digital bank, you need to first download their official app on your smartphone via:

  • Android Devices: Visit the Google Play Store to download and install the Kuda app.
  • iOS Devices: Go to the Apple App Store to download and install the iOS version of the Kuda app.

Make sure you are downloading the legitimate app published by Kuda Technologies Limited.

Step 2: Launch the App and Start Your Registration

Once you have the Kuda app installed, open it on your device. You will see a signup/registration prompt.

Tap on “Get Started” to kickstart your Kuda account registration. This will open a form where you need to fill in some key details.

Step 3: Enter Your Phone Number and Create Password

In the form, you first need to enter your active Nigerian mobile phone number.

Next, create a strong password for your Kuda account. Make sure it is at least 8 characters long with a combination of letters, numbers, and symbols. This password will be needed to login to your account.

Step 4: Provide Your Personal Information

The app will now prompt you to enter some personal details like:

  • Full name
  • Date of birth
  • Email address
  • Gender

Additionally, choose your preferred display name – this is the name that will be visible to other parties when you transact.

Step 5: Capture Your Photo and ID for Verification

For identity verification, you need to:

  • Take a clear selfie directly within the Kuda app.
  • Scan a valid government-issued ID document like your national ID card, drivers license, passport, or voters ID.

Kuda will use this information to securely verify your identity before activating your account.

Step 6: Set Your Account Security PIN

Create a 4-digit security PIN within the app. This confidential PIN will be required for certain account activities and transactions as an added security measure.

Memorize this PIN or store it securely. Never share your PIN with anyone!

Step 7: Account Opening Completed!

Once you submit all the details, Kuda will verify your information and confirm account opening via email and in-app notifications.

You’re all set! You can now start using your new Kuda Bank account and enjoying seamless digital banking services.

Key Notes

  • No USSD for account opening: Remember, Kuda currently does not offer USSD-based account opening. The process is completely digital.
  • User-friendly mobile experience: The Kuda app provides a smooth, intuitive interface for opening accounts.
  • Stay updated on USSD features: Keep an eye out for any future USSD capabilities Kuda may introduce.

Additional Features and Benefits of Kuda Account

Apart from easy digital account opening, Kuda also offers several useful features and benefits, including:

  • No monthly fees – Kuda has zero account maintenance fees. Bank freely!
  • Free debit card – You can request for a free Kuda debit card to make payments, withdrawals, etc.
  • Competitive interest rates – Earn up to 15% p.a. interest on your savings with Kuda.
  • Overdraft facility – Kuda offers overdraft up to N200,000 to account holders who qualify.
  • Personalized service – Dedicated agents are on hand via in-app chat, email, and social media to assist you.
  • Top security – Kuda accounts come with standard safety measures like OTP, app PIN, transaction alert SMS, and more.

Frequently Asked Questions (FAQ)

Here are some common questions about opening a Kuda account without using USSD:

Q: Does Kuda have its own USSD code for account opening?

A: No, as of now in 2024, Kuda does not have a dedicated USSD code for opening accounts. The process is completely app-based.

Q: What key details do I need to provide to open a Kuda account?

A: You need to submit your phone number, password, personal info, ID scan, selfie, and account PIN within the Kuda app to open an account.

Q: Can I open multiple Kuda accounts?

A: Kuda currently allows only one account per person. You cannot open multiple personal accounts.

Q: How long does it take to open a Kuda account?

A: If all details are accurate, account opening takes just 5-10 minutes via the Kuda app. Verification is also very quick.

Q: Does Kuda have physical branches or agent networks?

A: No. Kuda is a digital-only bank without any physical branches or agents. Account opening and services are via the app.


Opening a new bank account via Kuda’s user-friendly mobile app is quick, convenient, and completely digital. While they don’t offer USSD-based account opening yet, the app process is smooth and optimized for Nigerian users.

With modern features and zero account fees, Kuda is ideal for digitally-savvy customers looking for an innovative yet affordable banking experience. As Kuda expands features in the future, enhanced USSD capabilities may be introduced for convenience.


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