USSD Code for Kuda: How to Use Kuda Without Internet in 2025

USSD Code for Kuda

Discover the official USSD code for Kuda, how to transfer money, check balance, and buy airtime without internet on your phone in 2025.

Banking Made Easy with USSD

Kuda Bank is one of Nigeria’s fastest-growing digital banks, known for its app-based banking and zero-fee transfers. But what happens when you don’t have internet access? That’s where the USSD code for Kuda comes in. With this feature, you can perform transactions like transfers, airtime recharge, and balance checks—directly from your phone, even without mobile data.

In this guide, we’ll explain the official Kuda USSD code, how to use it, and what you can do with it in 2025.

What Is the Official USSD Code for Kuda?

The official USSD code for Kuda is *894#, provided through a partnership with GTBank. This means you can link your Kuda account to USSD banking, making transactions easier when the Kuda app isn’t accessible.

However, as of 2025, Kuda is expanding its services to support more direct USSD features. For the most updated code, always check the official Kuda Bank website or the Kuda app.

How to Use the Kuda USSD Code

Using the Kuda USSD banking code is simple and works on any mobile device:

Dial *894# on your registered phone number.
Follow the prompts to select the desired transaction.
Enter your PIN to authorize the transaction.
Receive instant confirmation via SMS.

This service is available 24/7 and does not require an internet connection.

Transactions You Can Perform with Kuda USSD Code

With the Kuda USSD code, you can carry out several banking operations conveniently. Some of the most common include:

Money Transfers: Send money to Kuda and other banks.
Balance Check: Know your account balance instantly.
Airtime Recharge: Buy airtime for yourself or others.
Bills Payment: Pay electricity, TV subscriptions, and more.
Account Opening (via partner banks): Register and link to Kuda through supported services.

Why Use Kuda USSD Instead of the App?

While the Kuda app provides the best digital banking experience, the USSD code is useful in situations such as:

Poor internet connection
Low data balance
Using a basic mobile phone without internet access
Emergency transactions when the app is temporarily unavailable

This ensures that Kuda customers remain connected at all times.

Benefits of Kuda USSD Banking

Here are the key advantages of using the Kuda USSD code:

Accessibility: Works on all types of mobile phones.
Convenience: No internet or smartphone required.
Speed: Transactions process within seconds.
Availability: Works 24/7, even on weekends and holidays.
Security: Protected with your personal PIN.

According to CBN guidelines on USSD banking, mobile banking codes like Kuda’s ensure that financial services are available to everyone, including rural communities.

Limitations of Kuda USSD Banking

While useful, USSD banking comes with a few restrictions:

Some services may still require the Kuda app for full functionality.
Transaction limits may apply depending on your account tier.
A small service charge may be deducted by your mobile network.

For complex banking needs, it’s best to use the Kuda Bank app.

How Secure Is the Kuda USSD Code?

Kuda ensures that its USSD banking system is safe by using:

Personal 4-digit PINs for authorization
Real-time SMS confirmations
Encrypted communication between your device and the bank

As a rule, never share your PIN or one-time codes with anyone to keep your account secure.

Enjoy Banking Without Limits

The USSD code for Kuda makes digital banking accessible to everyone, even without internet access. Whether you want to transfer money, check your balance, or recharge airtime, simply dial *894# on your registered line and enjoy seamless transactions.

For more advanced features like savings, investments, and card management, download the Kuda Bank app today and experience the future of banking.

With both app and USSD options, Kuda ensures you’ll never be cut off from your money again—no matter where you are.