Kuda

aid: kuda
name: Kuda
description: Kuda is a Nigerian digital-first retail bank — branded "the money app for Africans" and "the bank of the free"
  — founded in 2019 by Babs Ogundeyi and Musty Mustapha and headquartered in Lagos, Nigeria with operations in the United
  Kingdom. Kuda's Nigerian entity, Kuda Microfinance Bank, holds a national microfinance bank license from the Central Bank
  of Nigeria (CBN), and Kuda EMI Limited operates as an FCA-authorised electronic money institution in the UK. Kuda offers
  retail banking accounts with zero or low fees, debit cards, instant transfers, bill payments, savings ("Spend+Save"), investments,
  overdrafts, and personal loans through its iOS, Android, and web apps, plus a Business banking suite covering expense accounts
  and cards, payroll, invoicing, softPOS and physical POS terminals, business loans, and CAC business registration. Kuda also
  exposes an Open API ("Kuda Open API") aimed at fintechs, marketplaces, and businesses that want to embed Nigerian banking
  primitives — virtual accounts, name enquiry, intra- and inter-bank transfers, balance inquiry, transaction history, bill
  payments, and disbursements — directly into their own products, with sandbox and live environments, RSA-encrypted request
  payloads, and client libraries for Node.js, PHP, C#, Rust, and Kotlin hosted under the kudabank GitHub organization.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/kuda.png
tags:
- Banking
- Neobank
- Digital Bank
- Retail Banking
- Business Banking
- Open Banking
- Payments
- Transfers
- Virtual Accounts
- Disbursements
- Bill Payments
- Savings
- Cards
- Point-of-Sale
- Lending
- Fintech
- Nigeria
- Africa
- CBN Licensed
- Microfinance Bank
tags_raw:
- Banking
- Neobank
- Digital Bank
- Retail Banking
- Business Banking
- Open Banking
- Payments
- Transfers
- Virtual Accounts
- Disbursements
- Bill Payments
- Savings
- Cards
- POS
- Lending
- Fintech
- Nigeria
- Africa
- CBN Licensed
- Microfinance Bank
url: https://raw.githubusercontent.com/api-evangelist/kuda/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/kuda-domain-security.yml
- type: Website
  url: https://kuda.com
- type: Personal
  url: https://kuda.com/en-ng/personal/
- type: Business
  url: https://kuda.com/en-ng/business/
- type: OpenAPI
  url: https://kuda.com/en-ng/business/open-api/
- type: DeveloperPortal
  url: https://developer.kuda.com/
- type: Documentation
  url: https://kudabank.gitbook.io/kudabank/
- type: GitHub
  url: https://github.com/kudabank
- type: About
  url: https://kuda.com/about/
- type: Careers
  url: https://kuda.com/careers/
- type: Blog
  url: https://kuda.com/blog/
- type: Press
  url: https://kuda.com/press/
- type: Help
  url: https://help.kuda.com
- type: Security
  url: https://kuda.com/security/
- type: Contact
  url: https://kuda.com/contact/
- type: FAQ
  url: https://kuda.com/en-ng/legal/faq/openApi/
- type: Twitter
  url: https://twitter.com/joinkuda
- type: LinkedIn
  url: https://www.linkedin.com/company/kudabank
- type: Facebook
  url: https://www.facebook.com/joinkuda
- type: Instagram
  url: https://www.instagram.com/joinkuda
- type: YouTube
  url: https://www.youtube.com/@joinkuda
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com