How to Use Kuda Bank USSD Code to Check Balance & Transfer

Kuda Bank USSD Code to Check Balance For loan & Buy Airtime

Convenience and accessibility have never been more important in our world, especially regarding financial services. Kuda Bank, a leading digital bank in Nigeria, has emerged as a trailblazer in the banking industry with its innovative approach to mobile banking. One of these fintech features is the Kuda Bank USSD code, a simple yet powerful way for their customers to interact with their bank accounts.

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In this article, we will explore the significance of the Kuda Bank USSD code and how to use it to check your Kuda bank account balance, get a loan, and even buy airtime without having to use the Kuda Bank App.

Kuda Bank USSD Code to Check Balance

Kuda Bank is transforming the banking experience for millions of Nigerians. so it is not surprising that a lot of people want to use the Kuda bank USSD code for transactions. If you want to check your balance with the Kuda Bank USSD code, just dial *894# from your phone number connected to your Kuda Bank account, and then follow the instructions that appear on the screen.

Kuda Bank USSD Code for Loan

You can get a loan from Kuda Bank by dialing the Kuda USSD code *894#, choosing the loan option, and following the instructions displayed to you.

By simply dialing the code on their mobile phones, users gain access to a Kuda loan without needing an internet connection. This is particularly crucial in a country where internet access can be limited in certain areas.

Kuda Bank USSD Code for Airtime

Kuda Bank offers two ways to purchase airtime using Kuda Bank’s USSD code; the “airtime purchase for self” and “airtime purchase for others.”

To purchase airtime for yourself using the Kuda USSD code, dial *894*Amount#, and your phone number will be credited with the amount. While if you want to purchase airtime for other numbers, just dial *894*Amount*Phone Number#, and that phone number will be credited and the amount deducted from your Kuda bank app.

Kuda Bank USSD Code for Transfer

To complete a transfer using the Kuda bank USSD code, dial *894# and follow the instructions. However, if you have already set up Kuda Bank USSD banking on your phone number, you can just dial *894*Amount*Account Number# and the money will be instantly transferred to the specified account number.

Benefits of Kuda Bank USSD Code

Instant Account Management

Gone are the days of spending hours in long queues at traditional banks. With the Kuda Bank USSD code, users can manage their accounts instantly and efficiently. Whether it’s checking their account balance, reviewing transaction history, or transferring funds, these tasks can now be completed with a few taps on their mobile phones. The code provides a seamless experience, saving customers valuable time and effort.

Airtime and Bill Payments

The Kuda Bank USSD code simplifies the process of purchasing airtime and paying bills. Customers can easily recharge their mobile phones by dialling the code and following the prompts.

Additionally, the USSD code enables users to pay utility bills, such as electricity, water, and cable TV, with ease. This convenience eliminates the need to visit physical stores or use separate payment platforms, allowing customers to handle their financial obligations effortlessly.

Fund Transfers Made Easy

Transferring money has never been easier than with the Kuda Bank USSD code. Customers can send funds to any bank in Nigeria by simply dialing *919# and selecting the transfer option. This feature is particularly useful for individuals who frequently send money to family members, friends, or business partners. With just a few steps, funds can be transferred securely and efficiently, regardless of the time or location.

24/7 Customer Support

Kuda Bank understands the importance of providing exceptional customer service. With the USSD code, users can access customer support services round the clock. Whether it’s requesting assistance with a transaction, reporting a lost or stolen card, or seeking information about a specific banking product, customers can rely on Kuda Bank to provide timely and efficient support, directly from their mobile phones.

Enhanced Security Measures

While convenience is a priority, Kuda Bank also places great emphasis on security. The USSD code incorporates robust security measures to protect customer information and transactions.

Personal identification numbers (PINs) and verification codes are required for authentication, ensuring that only authorized individuals can access the account and perform transactions. These stringent security protocols give customers peace of mind and reinforce trust in the digital banking experience.

Financial Inclusion and Empowerment

The Kuda Bank USSD code plays a vital role in promoting financial inclusion across Nigeria. With its user-friendly interface and accessibility, even individuals without smartphones or internet access can participate in digital banking.

This widens the reach of financial services and empowers individuals from all walks of life to take control of their finances.


The Kuda Bank USSD code has transformed the banking landscape in Nigeria, offering unparalleled convenience, accessibility, and security. With a simple dial of *894#, customers can manage their accounts, perform transactions, and access customer support services effortlessly. Kuda Bank’s commitment to innovation and finance.

What is the USSD code for Kuda Transfer?

The USSD code for the Kuda bank transfer is *894#.

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