How to Activate Kuda Bank USSD Code 2024 – Simple Steps Guide

Using USSD Codes with Kuda Bank in 2024

Kuda Bank is one of the leading digital banks in Nigeria, providing customers with an innovative and convenient mobile banking experience. However, as of January 2024, Kuda Bank does not have its own dedicated USSD code for transactions. This means you cannot directly dial a code to access Kuda Banking services.

However, the good news is that you can still leverage USSD codes from select partner banks to carry out certain key actions like funding your Kuda account.

How To Activate Kuda Bank USSD Code

Here is a detailed guide on how to use USSD codes to manage your Kuda account and transactions:

Adding Money to Your Kuda Account via USSD

While Kuda Bank itself does not have a USSD code, you can still use USSD codes from their partner banks to add money or fund your Kuda account.

Here is a step-by-step process:

Step 1: Access the Kuda Mobile App

First, open the Kuda Bank mobile app on your smartphone. You can download the app from the Google Play Store or Apple App Store if you don’t already have it installed.

Step 2: Navigate to the “Add Money” Option

Once you open the app, you will see the main dashboard. Look for and tap on the “Add Money” option. This will open the add money section.

Step 3: Select the “Add by USSD” Option

Within the add money section, you will find different options like bank transfer, card, and USSD. Tap on the “Add by USSD” option.

Step 4: Enter the Transfer Amount

You will now be prompted to enter the amount you wish to transfer or add to your Kuda account. Key in the amount accordingly.

Step 5: Note the Partner Bank USSD Code

After entering the transfer amount, the app will display a USSD code for one of their partner banks such as GTBank, Polaris Bank, or Zenith Bank. Note this code down carefully.

Step 6: Dial the USSD Code on Your Phone

Dial the partner bank USSD code on your phone’s dial pad. This will open the partner bank’s USSD menu.

Step 7: Follow the Prompts to Complete Transfer

Follow the instructions and prompts on the screen to complete the transfer from your bank account to your Kuda account. Confirm all details.

And you’re done! The amount will be credited into your Kuda account within minutes. This is the easiest way to fund your Kuda account using USSD codes from partner banks.

Checking Kuda Account Balance via USSD

You cannot directly check your up-to-date Kuda account balance via USSD since Kuda does not have its own code. However, the Kuda app provides an instant view of your account balance on the home screen.

Follow these simple steps:

Step 1: Open the Kuda App

Launch the Kuda app on your phone as usual.

Step 2: Your Balance Appears on the Home Screen

As soon as you open the app, your current account balance is prominently displayed on the home screen.

So unlike other banks, you don’t need to dial a code – just open the Kuda app and your balance is right there!

Making Transfers from Kuda Account via USSD

You can make transfers from your Kuda account to other bank accounts using the Kuda app. However, there is no direct USSD method for making such transfers currently.

Here is how to make transfers within the Kuda app:

Step 1: Open the Kuda App

Open the Kuda app on your smartphone as usual.

Step 2: Select the “Transfer” Option

On the home screen or menu, look for and tap on the “Transfer” option.

Step 3: Enter the Recipient’s Account Details

You will be prompted to enter details like the recipient’s bank name, account number, and so on. Enter all the necessary details.

Step 4: Enter the Transfer Amount

Specify the amount you wish to transfer from your Kuda account to the recipient.

Step 5: Review and Confirm the Details

Carefully review the transfer details to ensure they are all accurate.

Step 6: Authorize the Transfer

If all the details look correct, authorize the transfer within the Kuda app.

The transfer will be processed and the funds debited from your Kuda account.

So in summary, while you cannot directly use USSD codes for transfers, the Kuda app provides a smooth transfer interface.

Important Notes on Using USSD with Kuda

Here are some key points to remember about using USSD codes with Kuda Bank:

  • No Dedicated USSD Code: The key thing to note is that Kuda Bank does not have its own USSD code as of 2024. All USSD interactions are through partner banks.
  • Limited Functionality: The only USSD-based action currently available is adding money via partner banks. Other services need the app.
  • Partner Bank Account Required: To add money via partner bank USSD codes, you need to have an account with that bank.
  • App is Primary Access Point: Kuda is designed as an app-centric digital bank. Most features can only be accessed through the Kuda app.
  • Check for Updates: Keep an eye out on Kuda’s website and app for any future updates on dedicated USSD codes or functionality.

Frequently Asked Questions on USSD and Kuda

Here are some common FAQs about using USSD with Kuda Bank:

Q: Does Kuda Bank have its own USSD code?

A: As of January 2024, Kuda Bank does not have its own dedicated USSD code. You cannot access Kuda via USSD directly.

Q: Can I check my Kuda account balance via USSD?

A: No, you cannot check your up-to-date Kuda account balance via USSD. However, the app shows your live balance on the home screen.

Q: How do I add money to my Kuda account via USSD?

A: You can add money to your Kuda account by using the USSD codes of their partner banks like GTBank and Zenith Bank. The process is facilitated via the Kuda app.

Q: Can I transfer money from my Kuda account using USSD?

A: Unfortunately, you cannot make transfers from your Kuda account directly via USSD as of now. However, you can use the intuitive transfer options within the Kuda app.

Q: Does Kuda have an agent network or physical branches?

A: No, Kuda is a digital-only bank and does not have physical branches or agent networks. Services are primarily accessed through the mobile app.

Q: Will Kuda add USSD code support in the future?

A: Kuda may potentially introduce a dedicated USSD code to improve services in the future. However, they haven’t made any official announcement yet.


In summary, Kuda Bank provides a modern, app-focused banking experience. While they currently don’t have a standalone USSD code, customers can still leverage partner bank USSD codes for specific functions like funding Kuda accounts. For the most optimal experience, downloading the user-friendly Kuda app is recommended. As Kuda expands its offerings, we can expect more enhancements in USSD and non-app access methods as well.


How To Get Loan From Easybuy

Kuda USSD Code

Convenient Banking: How to Use Kuda Bank USSD Code

How to Check Kuda Account Number


Leave a Reply