Kuda Bank USSD Code for Airtime & Transfers — What You Need to Know
If you tried dialing a USSD string to use Kuda and got no result, you’re not alone. This article explains whether Kuda has a USSD code, how to move money to and from Kuda using other banks' USSD codes, how to access Kuda features, and tips for safe mobile banking.
Does Kuda Bank have a USSD code?
Short answer: No — Kuda Bank does not offer a USSD banking code. Kuda is primarily an app-first digital bank and provides its full range of services through the Kuda mobile app (Android and iOS). For this reason, Kuda customers are expected to use the app for account opening, balance checks, transfers and airtime purchases rather than a USSD interface. 0
How to send money to a Kuda account from other Nigerian banks (USSD transfer codes)
Although Kuda itself has no USSD code, many traditional banks still support USSD transfers that you can use to send money into a Kuda account. Below are common USSD transfer formats (note: banks may change formats or shortcodes — always confirm with your bank before sending):
Examples of bank USSD transfer formats
- First Bank:
*894*Amount*KudaAccountNumber#. 2 - Access Bank:
*901*Amount*KudaAccountNumber#. 3 - UBA:
*919*4*KudaAccountNumber*Amount#(some banks include additional service selectors — follow the prompts). 4 - GTBank:
*737*50*Amount*416#(GTBank’s USSD system uses service codes and may require account selection). 5
Always double-check the exact USSD flow with your sending bank. USSD sequences can include service menus that differ by bank and may change after system updates. If in doubt, use the bank’s official site or call their customer support before sending large sums. 6
How to perform common Kuda actions without USSD
Because Kuda is app-based, here are the recommended ways to perform typical actions:
- Open an account / verify identity: Use the Kuda mobile app and follow the guided KYC steps.
- Check balance or transfer money: Log into the Kuda app. The app supports intra-bank and interbank transfers (NIP) and has a clear transfer interface.
- Buy airtime or data: Buy directly within the Kuda app or via other bank USSD platforms that support airtime purchases.
- Get an ATM card: Kuda issues free debit/ATM cards to eligible customers via the app. 7
- Customer support: Use the in-app chat or Kuda’s published helpline / email for urgent account or security issues.
Safety tips when using USSD and digital banking
- Never share your PIN, OTP or BVN with anyone. Banks and Kuda will not request your full PIN by phone or SMS.
- Use strong device security — a screen lock and biometric authentication if available.
- Keep the Kuda app updated from the Google Play Store or Apple App Store to receive security fixes.
- For USSD transfers, confirm account numbers and prompts before approving transactions.
Frequently asked questions (FAQ)
Q: If Kuda has no USSD code, how do I bank when I have no data?
A: Kuda is app-first; if you have no data, you can ask a friend to transfer from their bank (using their bank’s USSD), use a physical ATM deposit if available, or visit a supported partner that accepts bank transfers. Be mindful of security and never share sensitive details.
Q: Are the USSD codes for other banks reliable for sending to Kuda?
A: Yes — most major Nigerian banks support USSD transfers to any valid bank account number. However, formats and menu steps vary and can change, so confirm the exact flow with the sending bank before transacting. 8
Q: How do I contact Kuda customer care?
A: Use the Kuda app’s help or chat feature for general queries. For urgent matters, check Kuda’s official site or in-app support area for the latest contact methods. 9
Also check out: Kuda Bank Honest Review 2025 — Is Kuda Safe & Reliable?
Kuda Bank does not provide a USSD code — its services are built around the mobile app which delivers transfers, airtime purchases, free debit cards and account management. If you must use USSD, send money into Kuda from a traditional bank using that bank’s USSD transfer code (confirm the exact sequence with the sending bank first). For the smoothest experience, download and use the Kuda app.
Get the Kuda app
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