Does Kuda Have USSD Code? Everything You Need to Know in 2025

Wondering does Kuda have USSD code? Learn how Kuda customers can use USSD for transfers, airtime, and banking without internet in 2025.

USSD Banking and Kuda

Kuda Bank is one of Nigeria’s most innovative digital banks, famous for its mobile-first approach. Unlike traditional banks, it doesn’t operate physical branches, making the Kuda app the main channel for customers. But many users still ask: does Kuda have USSD code?

The short answer is yes—but with some important details. In this article, we’ll explain how Kuda’s USSD banking works, what code you can use, and how to carry out transactions without an internet connection.

Does Kuda Have a USSD Code in 2025?

Yes, Kuda supports USSD banking through a partnership with GTBank. The official USSD code for Kuda is *894#, which allows customers to send money, check balances, and buy airtime even when offline.

However, Kuda is primarily an app-based bank. For more advanced features like savings, cards, and investments, you still need to log in via the Kuda app or the Kuda Bank website.

How to Use the Kuda USSD Code

To use Kuda’s USSD banking, follow these simple steps:

Dial *894# from the phone number linked to your Kuda account.
Select the transaction type (transfer, airtime, or balance inquiry).
Enter your account details and transaction amount.
Confirm using your secure PIN.
You’ll receive an SMS confirmation instantly.

This makes it possible to bank without mobile data, especially in areas with poor internet coverage.

What Can You Do with Kuda USSD Banking?

Kuda’s USSD feature enables essential financial transactions. Some of the main functions include:

Send Money: Transfer funds to Kuda accounts and other Nigerian banks.
Check Balance: Instantly view your account balance.
Airtime Recharge: Buy airtime for yourself or others.
Pay Bills: Handle utilities like electricity or TV subscriptions.
Basic Account Setup: Start account linking or activation.

For a full list of services, you can visit the Central Bank of Nigeria USSD guidelines.

Why Does Kuda Need a USSD Code?

While Kuda is built for smartphones, not everyone has constant internet access. The USSD code for Kuda bridges this gap by ensuring:

Accessibility: Works on both smartphones and feature phones.
Convenience: No need for internet or app updates.
Speed: Transactions are completed in seconds.
Reliability: Ideal for emergencies when the app is down.

This makes Kuda a flexible choice for Nigerians in urban and rural areas.

Limitations of Kuda’s USSD Code

Although useful, Kuda’s USSD banking has some limitations:

Transaction limits may apply per day.
Some advanced services (loans, savings, investments) require the app.
Mobile networks may charge small service fees.
Availability is currently tied to Kuda’s banking partners.

For full functionality, downloading the Kuda app on iOS or Android is recommended.

Is Kuda USSD Banking Secure?

Security is a major concern in mobile banking. Kuda protects users with:

PIN-based verification for all USSD transactions.
SMS confirmations for every action.
Encrypted communication with partner banks.

To stay safe, never share your PIN or authentication codes with anyone.

Banking Without Limits

So, does Kuda have USSD code? Yes—Kuda customers can use *894# to carry out essential transactions without the internet. While the Kuda app remains the best way to enjoy full features like savings, investments, and debit cards, USSD ensures you can still send money, buy airtime, and check balances anytime, anywhere.

If you want a seamless experience, download the Kuda Bank app today. With both app and USSD options, Kuda proves that modern banking can be flexible, accessible, and built around your needs.