Kuda USSD Code


In today’s fast-paced world, convenience is key.

Whether you’re checking your account balance, making transactions, or applying for a loan, you need a banking solution that’s as swift as your lifestyle demands.

Welcome to Kuda – the digital bank designed for the modern age.

With Kuda’s USSD code, *919#, you have the world of banking at your fingertips, accessible from the comfort of your mobile phone.

In this comprehensive post, I will walk you through the versatile features and functionalities of the Kuda USSD code, helping you make the most out of your digital banking experience

Kuda USSD Code

Getting Started

1. Accessing Your Kuda Account

The journey begins with a simple code.

Dial *919# on your mobile phone, and you’re on your way to accessing your Kuda account.

To log in, enter your phone number and password.

The world of hassle-free banking is now at your service.

Exploring the USSD Code Features

2. Checking Your Account Balance

Curiosity about your account balance is a frequent visitor.

With Kuda’s USSD code, you can satisfy it instantly.

Dial *9191#, press Enter, and your account balance will be displayed right before your eyes.

3. Transaction History on Demand

Staying updated on your financial activities is a sign of a responsible account holder.

Dial *9192# and press Enter to view your transaction history.

It’s like having a financial journal at your disposal.

4. Fund Transfer Made Easy

Need to send money to another Kuda account swiftly? Dial *9193#, and let the prompts guide you through the process.

Convenience at its best.

5. Seamless Bill Payments

Paying bills is a breeze with Kuda.

Dial *9194#, follow the prompts, and you’re good to go.

Say goodbye to waiting in line at payment centers.

6. Instant Airtime Purchase

Running out of airtime is never ideal, but Kuda has your back.

Dial *9195#, follow the prompts, and your phone will be topped up in no time.

7. Hassle-Free Loan Application

Life’s unexpected expenses can be daunting.

Dial *9196# to apply for a loan and follow the prompts to secure the financial assistance you need.

8. Account Closure at Your Fingertips

Should you ever decide to close your Kuda account, it’s a straightforward process.

Dial *9197# and follow the prompts.

Making the Most of Kuda USSD Code

9. Some Handy Tips

  • Keep Your Airtime Ready: Before using the USSD code, ensure you have sufficient airtime on your phone to cover the transaction fees.
  • Accuracy is Key: Make sure to enter your phone number and password accurately to avoid any login issues.
  • Follow the Prompts: During any transaction, follow the prompts carefully to complete your request smoothly.
  • Get in Touch: If you encounter any issues or need assistance, don’t hesitate to contact Kuda customer support. They’re here to help.

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How do I make a USSD payment?

In an era of swift and secure digital transactions, USSD payments have become a go-to method for sending money or making payments conveniently.

These transactions can be done from the comfort of your mobile phone, without the need for an internet connection.

In this comprehensive post, I’ll walk you through the steps of making a USSD payment and provide essential tips to ensure a seamless and secure experience.

Making a USSD Payment – Step by Step

1. Dial the USSD Code

To initiate a USSD payment, you’ll need to dial the USSD code specific to your bank.

It’s important to note that these codes vary from one bank to another.

To find the correct USSD code for your bank, you can refer to your bank’s website or mobile app.

2. Select Payment Option

Once you’ve dialed the USSD code, a menu will appear on your screen.

From this menu, select the “Payment” or “Transfer” option, depending on how your bank labels it.

3. Enter Recipient’s Details

After selecting the payment option, you’ll be prompted to enter the recipient’s account number and the amount you wish to send.

Be meticulous when entering these details to avoid any errors.

4. Confirm the Transaction

Once you’ve entered the recipient’s details, confirm the transaction.

Double-check to ensure the accuracy of the information you’ve provided.

5. Authenticate the Transaction

For security reasons, you’ll be required to authenticate the transaction.

This usually involves entering your bank PIN or another authentication factor, depending on your bank’s security protocols.

6. Transaction Confirmation

After successfully completing the steps above, you’ll receive a message confirming that the transaction was successful.

This confirmation is your assurance that the money has been sent.

An Example with FirstBank Nigeria

Let’s illustrate these steps with an example using FirstBank Nigeria:

  1. Dial *894# on your mobile phone.
  2. Select the “Transfer” option from the menu.
  3. Enter the account number of the recipient and the amount you want to send.
  4. Confirm the transaction.
  5. Enter your FirstBank PIN.
  6. You will receive a message confirming that the transaction was successful.

Tips for Smooth USSD Payments

  • Maintain Sufficient Airtime: Ensure that you have enough airtime on your mobile phone to cover the USSD transaction fees. A lack of airtime can lead to transaction failures.
  • Accuracy is Key: Pay close attention when entering the recipient’s account number and the amount to be sent. Mistakes can lead to failed or erroneous transactions.
  • Double-Check Details: Before confirming the transaction, review all the details to avoid any discrepancies.
  • Guard Your Bank PIN: Keep your bank PIN confidential. Never share it with anyone to prevent unauthorized access to your account.
  • Seek Help When Needed: In case you encounter any difficulties or have questions about USSD payments, don’t hesitate to contact your bank’s customer support. They are there to assist you.

In a world where convenience and speed are essential, USSD payments offer a reliable way to manage your financial transactions.

By following these simple steps and adhering to best practices, you can ensure your USSD payments are secure, efficient, and error-free.

How do I buy data directly from Kuda?

In today’s fast-paced digital world, staying connected is non-negotiable.

Whether it’s for work, leisure, or socializing, access to a seamless data connection is essential.

With Kuda, you can buy data directly from your mobile phone hassle-free.

In this post, I’ll walk you through the simple steps to purchase data through the Kuda app, ensuring that you stay connected whenever and wherever you need it.

Buying Data via Kuda – Step by Step

1. Launch the Kuda App

The journey to uninterrupted internet connectivity begins with opening the Kuda app on your mobile phone.

If you haven’t already installed the app, you can easily download it from your device’s app store.

2. Tap on “Pay”

Once you’re in the Kuda app, locate and tap on the “Pay” button.

This is where the magic happens.

3. Choose “Pay A Bill”

In the “Pay” section, you’ll find various payment options.

Tap on “Pay A Bill.” Data purchase is just a few taps away.

4. Select “Internet”

From the list of bill categories, select “Internet” to specify that you want to purchase a data plan.

5. Pick Your Service Provider

Now, choose your mobile network or internet service provider.

Kuda supports all major providers in Nigeria.

6. Select Your Data Plan

From the available options, choose the internet subscription package (data plan) that suits your needs.

7. Enter Your Details

Type in your phone number or customer ID.

Ensure you enter the correct information, as this is vital for the successful activation of your data plan. Once done, tap “Next.”

8. Confirm Your Transaction

For security purposes, confirm the transaction with your Kuda transaction PIN, fingerprint, or Face ID, depending on your device’s capabilities.

9. Back to Your Kuda Dashboard

After a successful transaction, tap “Okay” to return to your Kuda dashboard.

Your data plan will be activated immediately, and you can enjoy uninterrupted internet access.

Tips for a Smooth Data Purchase

  • Maintain Sufficient Funds: Before making the purchase, ensure you have enough money in your Kuda account to cover the cost of the data plan. Running out of funds during the transaction can lead to interruptions.
  • Double-Check Details: If you’re buying a data plan for a different phone number, make absolutely sure you enter the correct phone number or customer ID to avoid any complications.
  • Wide Provider Support: Kuda caters to all major mobile networks and internet service providers in Nigeria, offering you the flexibility to choose your preferred plan.
  • Purchase for Others: You can also buy data for friends or family using the Kuda app. Just ensure you have their correct details.
  • Customer Support: Should you encounter any difficulties during the data purchase process, don’t hesitate to contact Kuda customer support. They are readily available to assist you.

In a world where connectivity is paramount, Kuda simplifies the process of purchasing data.

With these straightforward steps and helpful tips, you can ensure that your data plan is always up to date, keeping you connected and productive.

Say goodbye to interruptions and stay connected with Kuda!

Here’s the information presented in a table format for easier reference:

1Open the Kuda App on your mobile phone.
2Tap on the “Pay” button.
3Select “Pay A Bill.”
4Choose “Internet” to specify a data plan purchase.
5Pick your Internet Service Provider from the list.
6Select your desired data plan from the available options.
7Enter your phone number or customer ID and tap “Next.”
8Confirm the transaction with your Kuda transaction PIN, fingerprint, or Face ID.
9Tap “Okay” to return to your Kuda dashboard. Your data plan is activated immediately.

Tips for a Smooth Data Purchase

Maintain Sufficient FundsEnsure you have enough money in your Kuda account to cover the cost of the data plan.
Double-Check DetailsVerify that you’ve entered the correct phone number or customer ID when purchasing for others.
Wide Provider SupportKuda supports all major mobile networks and internet service providers in Nigeria.
Purchase for OthersYou can buy data plans for friends and family using the Kuda app. Double-check their details.
Contact Customer Support if You Need HelpIn case of any issues, don’t hesitate to contact Kuda customer support for assistance.

Does Kuda give loans?

Kuda, the digital bank designed for the modern age, offers personal loans to eligible customers, empowering them to meet various financial needs.

Whether it’s settling bills, launching a business, or handling unexpected expenses, Kuda loans have you covered.

In this post, I will go into the details of Kuda loans, including eligibility criteria, application procedures, and the array of benefits they bring.

Understanding Kuda Loans

Kuda loans are personal loans designed to provide financial flexibility.

Here are the key details:

  • Loan Range: Kuda loans span from ₦5,000 to ₦200,000, offering a diverse range to suit your specific financial requirements.
  • Repayment Period: The loans come with a flexible repayment period, typically ranging from 3 to 6 months. This flexibility ensures that your repayment plan aligns with your financial situation.

Eligibility for Kuda Loans

To access Kuda loans, you need to meet specific eligibility criteria:

  • Age Requirement: You must be at least 18 years old to be eligible for Kuda loans.
  • Steady Income: Having a regular source of income is a key requirement to demonstrate your ability to repay the loan.
  • Good Credit History: Maintaining a good credit history is crucial to boost your eligibility for Kuda loans.

The Application Process

Applying for a Kuda loan is a streamlined process, easily accessible through the Kuda app or website. Simply follow these steps:

  1. Download the Kuda app or visit the Kuda website.
  2. Navigate to the loan application section.
  3. Complete the application form with the required information.
  4. Submit your application.

Within 24 hours of your submission, you’ll receive notification of your loan approval status.

If your loan is approved, the requested amount will be deposited into your Kuda account instantly.

You can then start using the funds for your intended purpose.

Repaying Your Kuda Loan

Kuda ensures a hassle-free repayment process:

  • You can make monthly loan payments through the Kuda app or website, providing convenience and flexibility.
  • The due amount will be automatically deducted from your Kuda account on the specified due date, reducing the risk of missing payments.

Benefits of Choosing Kuda Loans

Kuda loans come with a host of benefits:

  • Quick and Easy Application: The application process is user-friendly and efficient.
  • Competitive Interest Rates: Kuda offers competitive interest rates, ensuring that you get the best deal.
  • Flexible Repayment Terms: You can tailor your repayment schedule to match your financial capabilities.
  • No Collateral or Paperwork: Kuda loans don’t require collateral or extensive paperwork, simplifying the process.
  • No Hidden Fees: Kuda is transparent about fees, ensuring no surprises along the way.

If you’re in need of a quick and easy loan solution, Kuda is a compelling option.

With its straightforward application process, competitive rates, flexibility, and absence of collateral requirements, Kuda loans provide you with the financial freedom you seek.

For any queries or assistance regarding Kuda loans, don’t hesitate to contact Kuda customer support. Explore your financial possibilities with Kuda today.


In a world where time is of the essence, Kuda’s USSD code, *919#, offers a seamless and efficient banking experience right from your mobile phone.

With the ability to check your account balance, review transaction history, transfer funds, pay bills, purchase airtime, apply for loans, and even close your account with a few simple codes, Kuda ensures that your banking needs are met with ease.

For more information and updates on Kuda’s USSD code and services, visit the Kuda website or reach out to Kuda’s customer support.

Unlock the power of digital banking with Kuda today!

Now, go ahead, dial *919# and let Kuda simplify your banking journey.


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