How To Open Kuda Bank Account Without BVN

Kuda Bank is a Nigerian digital bank that has revolutionized the banking industry in the country, Founded in 2016 by Babs Ogundeyi and Musty Mustapha. Kuda Bank has become one of the fastest-growing banks in Nigeria with over 1 million registered users as of 2021.  

Kuda Bank is built on providing fast, secure, and affordable banking services to its customers. The bank offers a range of products and services, including savings accounts, current accounts, loans, and transfers, all of which can be accessed through its mobile app.  

One of the key features of Kuda Bank is its zero fees policy. The bank does not charge any fee for transfers, card maintenance, or account maintenance, making it an affordable option for Nigerians who want to save money on banking fees. Additionally, the bank offers high-interest rates on savings accounts, which can help customers grow their money faster.  

Kuda Bank is also known for its user-friendly mobile app. The app is designed to be easy to use and navigate, with a simple and intuitive interface. Customers can easily open an account, deposit, withdraw money, and access a range of banking services through the app. The app also offers real-time notifications and alerts, allowing customers to stay up to date on their account activity  

Another feature that sets Kuda Bank apart from traditional banks is its focus on financial education. The bank offers a range of resources and tools to help its customers manage their money more effectively. These resources include financial planning tools, budgeting tools, and educational content on topics such as saving, investing, and managing debt.  

Overall, Kuda Bank has quickly become a popular choice for Nigerians looking for a modern, convenient, and affordable banking experience. With its zero-fee policy, high-interest savings accounts, user-friendly mobile app, and focus on financial education, Kuda Bank is poised to continue its rapid growth and transform the banking industry in Nigeria.  


Unfortunately, it is not possible to open a Kuda bank account without a Bank Verification Number (BVN) in Nigeria. 


A BVN is a unique identification number that is issued by the Central Bank of Nigeria to every bank account holder in the country. It is required by law to open a bank account and to carry out financial transactions in Nigeria.  

To obtain a BVN, you will need to visit any bank branch in Nigeria with a valid means of identification, such as your national ID card, driver’s license, or international passport. The bank will then register your biometric data, including your fingerprints, facial recognition, and other personal details, to generate your BVN.  

Once you have obtained your BVN, you can proceed to open a Kuda bank account online using your smartphone. Kuda is a digital-only bank that offers a fast and easy account opening process, with no paperwork required. You will need to download the Kuda app from the Google Play Store or Apple App Store and follow the on-screen instructions to register your account. During the registration process, you will be prompted to provide your BVN, so make sure you have it handy.  

How to open a Kuda bank account without BVN – If you are looking to access a digital microfinance loan with little or no charges, as well as a platform with multiple banking functionality, to meet your financial obligations with minimum risk, Kuda bank appears to be the best answer to your search, and I’ll tell you why in few seconds.  

  • With Kuda bank, you can access your account statement  
  • You operate a virtual and physical debit card  
  • Top-notch security  
  • You can send and receive funds with family and friends, etc.  
  • You can pay bills with ease  
  • The Kuda app provides virtually every flexibility a financial app should afford.  
  • Most transactions like transfers are free subject to your account class  

However, in this guide, I’ll tell you how to get started with Kuda bank, as well as how to open a Kuda bank account without BVN.  

Most financial apps require your BVN to get started, and this scares most online users away, however, introducing your BVN is meant to provide a detailed security check, to further safeguard your funds and transaction details, so you don’t have to be afraid.  

Requirements to open a Kuda bank account  

  • Your complete name  
  • Phone number  
  • BVN  
  • A valid ID card could be any; Driver’s license, voter’s card, national ID, or international passport.  
  • Valid email address  
  • Should have been 18 years old and above  

How to open a Kuda bank account  

Depending on your documentation available, there are virtually two types of accounts you can open, this is to ensure that everybody is carried along in line with a view to financial inclusion.  

  • Basic account  
  • The complete KYC; know your customer account  

The basic account is designed for prospective customers who do not have a BVN, however, be informed that this account has some operational limitations, you may not be able to carry out most transactions except if you are enrolled for a BVN, then upgrade accordingly.  

The KYC account is a full-fledged Kuda bank account with no limitation whatsoever, you can operate and access every service just like a standard bank account.  

How to open a Kuda bank account without BVN  

  • Kindly visit the Google/App store to download the Kuda bank app, available for Android and IOS operating systems  
  • Having arrived at the store, at the search bar, type “Kuda app” then download the app accordingly  
  • Open the app, click on sign up  
  • In the choice of account, click on “Open basic account”  
  • In the next column, enter your complete name, valid email address, and phone number  
  • Click on “Submit”  

Having signed up successfully, kindly fund your account, as well as request the Kuda debit card and enjoy the functionalities of Kuda bank.  

How to open a Kuda bank account with BVN  

  • Download and install the Kuda app  
  • Open the app, click on sign up and fill in your details as required, name, valid email address, and phone number  
  • Tap next to complete the setup, and enter your BVN, ID, Selfie passport, etc.  
  • Your account will keep up with full functionality.  


There you have it on how to open a Kuda bank account without BVN, it’s obtainable without stress, just head over to the Google/Apple store, download and install the app, and sign up for an account by choosing the “Open a basic account.”  

Request a debit card and fund your Kuda account to start enjoying the service immediately. 

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