Kuda USSD Code: Transfer, Balance & Airtime
Kuda has no own USSD code. To fund a Kuda account, dial your source bank's USSD code with the recipient's Kuda account number — for example, from First Bank: *894*amount*KudaAccountNumber#. The source bank charges the USSD session fee and the transfer; Kuda receives without its own fee.
Kuda USSD codes — reference
| Operation | Method (always correct) | Direct shortcut |
|---|---|---|
| Base code (USSD) | No own code — see the note below | — menu only |
| Transfer | Via the source bank's code | — menu only |
| Balance | Via the Kuda app | — menu only |
| Airtime | Via the Kuda app | — menu only |
Why is the Kuda USSD code not working?
- Wrong phone number : bank USSD only works from the phone number linked to your Kuda account. If you've changed your number, update your bank profile first.
- USSD service not activated : new accounts — activate Kuda USSD via a branch or the mobile app before first use.
- Insufficient telco airtime : the USSD session fee is ~₦6.98, charged by your telco. Without airtime, the code fails silently.
- Weak network : USSD needs a stable cellular signal; retry with better coverage.
- Code changed : dial the base code and use the menu — the menu always reflects current operations, unlike an old direct shortcut. Contact Kuda to confirm.
Fees and security
USSD fees : ~N6.98 USSD session fee from the SOURCE bank + their stamp duty. The USSD session fee is charged by your telco operator (NCC regulation), not by the bank. Compare against MoMo fees in our Nigeria calculator.
Security : NEVER share your Kuda USSD PIN with anyone — including someone claiming to be a bank agent. Kuda will never ask for your PIN via call, SMS, email or WhatsApp. Lock your SIM card (SIM PIN) so a phone thief cannot access USSD. If your phone is lost or stolen, call Kuda immediately to block USSD.
Note : Kuda has NO own USSD code. Fund a Kuda account via the source bank's code, e.g. from First Bank: *894*amount*KudaAccountNumber# — the source bank charges, Kuda receives.