Kuda Bank has become one of Nigeria’s favorite digital banks; simple, fast, and smart. But what happens when you want to make a transaction without internet access? That’s where Kuda USSD codes come in. Whether you’re trying to send money, check your balance, or buy airtime, learning how to use the Kuda USSD code can make banking even easier.
In this detailed guide, Queposts breaks down how to transfer money from Kuda using USSD code, how to fund your account from other banks, and what to know about the USSD code for Kuda Bank in Nigeria.
What Is the Kuda USSD Code?
Let’s start with the basics: What is Kuda USSD code?
Currently, Kuda Bank does not have a unique, fully functional USSD code for direct transactions like traditional banks do. Instead, users can use other banks’ USSD codes to transfer money to their Kuda account, while transfers from Kuda are done through the Kuda mobile app.
In other words, there isn’t a universal Kuda USSD code for transfer, but there are ways to move money easily using the USSD code for Kuda Bank transfer through partner banks.
If you’ve ever wondered “does Kuda have USSD code?” — the answer is yes, but with a twist. It’s not standalone like *894# for First Bank or *737# for GTBank. Instead, you’ll use your other bank’s USSD code to move money into Kuda.
When to Use Kuda’s USSD Option
The Kuda USSD code Nigeria users can access is perfect when:
- You don’t have access to the internet.
- Your Kuda app is down or you’re out of data.
- You want to quickly fund your Kuda wallet from another bank.
- You’re transferring to someone’s Kuda account but don’t have the app.
So while you can’t perform a Kuda USSD transfer code to another account directly from Kuda, you can use other banks’ codes to move money to Kuda.
How to Transfer Money from Another Bank to Kuda Using USSD Code
Here’s the step-by-step process on how to transfer money from Kuda with USSD code, or more accurately, to Kuda using other banks’ codes:
1. Dial your bank’s USSD code on the mobile number linked to your account.
For example:
- First Bank – *894*Amount*KudaAccountNumber#
- Zenith Bank – *966*Amount*KudaAccountNumber#
- Access Bank – *901*Amount*KudaAccountNumber#
- UBA – *919*4*KudaAccountNumber*Amount#
- Wema Bank – *945#, then follow the on-screen prompts to send to “Other Banks” and select “Kuda Microfinance Bank.”
2. Enter your Kuda account number. Make sure it’s 10 digits and correct.
3. Confirm the name displayed (it should show your Kuda account name).
4. Enter your transfer amount.
5. Authenticate the transaction with your PIN.
6. Wait for confirmation. You’ll receive an SMS confirming your transaction.
That’s it! You’ve just used a USSD code for Kuda transfer from another bank account.
How to Transfer Money From Kuda to Another Bank
While there’s no direct USSD code to transfer money from Kuda to Opay or other banks yet, you can easily do it through the Kuda app. Here’s how:
- Open the Kuda app and sign in.
- Tap “Pay” on your dashboard.
- Select “Send to Bank Account.”
- Choose the destination bank (like GTBank, Opay, Wema, etc.).
- Enter the recipient’s account number.
- Input the amount you wish to send.
- Add a narration or note (optional).
- Confirm the transaction and enter your PIN or biometric ID.
In seconds, your money will be sent. That’s the current Kuda USSD transfer alternative; simple and instant through the app.
How to Check Balance, Buy Airtime, and Use Other Kuda USSD Features
Even though Kuda is primarily app-based, users often ask questions like:
- What is the Kuda USSD code to check balance?
- What is the Kuda USSD code to buy airtime?
- How do I activate Kuda USSD code?
Let’s clarify:
- Kuda USSD code to check balance – Not currently available. You can check your balance instantly through the app’s home screen.
- Kuda USSD code to buy airtime or data – Also not active yet. However, you can easily buy airtime or data from your Kuda app by tapping “Buy Airtime” or “Buy Data.”
- How to activate Kuda USSD code – No separate activation is needed. When Kuda eventually launches a direct code, it will be automatically linked to your registered phone number.
So while there isn’t a standalone code for Kuda USSD functions yet, all these features are live and working through the app, just with data.
Pro Tips for Using Kuda Bank USSD Code Safely
Even though you’ll be using another bank’s USSD code to send money to Kuda, it’s important to follow a few safety rules:
- Always dial the correct USSD code to transfer money from Kuda from the phone number registered with your sending bank.
- Double-check the Kuda account number before confirming.
- Never share your PIN or OTP with anyone.
- Keep a screenshot or SMS of every transfer as proof.
- Make sure your Kuda account is verified (with BVN and ID) for seamless transactions.
What to Expect Next from Kuda’s USSD Features
Kuda is constantly expanding its services in Nigeria. In the near future, we expect:
- A fully functional Kuda Bank USSD transfer code.
- A Kuda USSD code for airtime and data purchase.
- Direct Kuda USSD code for transfer to Opay, PalmPay, and other fintech accounts.
- Possibly a dedicated Kuda USSD code for balance check and bill payments.
When that happens, users won’t even need mobile data to complete transactions.
FAQs on Kuda USSD Code
Q: Does Kuda have USSD code?
A: Not a complete one yet, but you can still fund your Kuda account through other banks’ USSD codes.
Q: What is the USSD code for Kuda Bank?
A: There isn’t a universal Kuda USSD code yet. To fund Kuda, use your other bank’s USSD transfer code.
Q: What is Kuda USSD code for transfer?
A: Kuda doesn’t have a unique transfer code right now. Transfers from Kuda are done through the app.
Q: How to use Kuda USSD code?
A: You can use another bank’s USSD code to send money to a Kuda account by entering the correct account number.
Q: What is Kuda USSD code for data or airtime?
A: Kuda USSD code for airtime and data is not active yet, but you can buy them instantly through the Kuda app.
Q: Did Kuda have USSD code in Nigeria?
A: Yes, indirectly, through other banks’ USSD systems for transfers to Kuda.
Final Thoughts
The Kuda Bank USSD code may not yet be as direct as other banks’, but it still offers flexibility through partner bank networks. You can easily use any USSD code to transfer money from Kuda Bank transfer to move funds into your Kuda account and then send, shop, or save directly from your app.
For now, the app remains the heart of Kuda’s operations, while the Kuda USSD code Nigeria option complements it for offline convenience.
So whether you’re using the Kuda USSD transfer code, checking your balance in the app, or sending to other platforms like Opay, Kuda remains one of the most reliable and digital-friendly banks in Nigeria.
Written by Queposts, your go-to platform for smart, relatable, and insightful digital guides in Nigeria.
