USSD banking (Unstructured Supplementary Service Data) is a simple, text-based service that allows people to access banking services on their mobile phones without needing internet access.
USSD banking is one of the easiest method of banking in Nigeria, especially in area where there's no Internet coverage. This method has been implemented by many banks in Nigeria including online banks like Kuda and commercial banks like GTBank.
For example, you can simply dial a short code (like *123#) on your phone to check your account available balance, to transfer money to other bank account, to pay bills like electricity or waste management, or buy airtime through a series of menu options that appear on the screen.
USSD code is widely used in areas with limited internet or smartphone access, making banking more accessible to everyone. But why all the questions regarding the Kuda USSD banking? In this article, I'm going to reveal to you everything you need to know about Kuda Bank USSD code.
Kuda Bank USSD Code
For the question: does Kuda have a USSD code? Yes, Kuda offers a USSD banking services for adding money into the Kuda Bank account, not for carrying out banking transactions like money transfer, bill payment, or checking balance. Kuda doesn't have a dedicated USSD code for those banking activities.
This is a USSD payment service in the Kuda app that allows users to make payments by dialing a specific USSD code format on their mobile phone — in this case, something like *000*000*RefCode#. For instance, if you're using GTBank, it'll allows you to add money to Kuda from your GTB account simply by dialing GTB USSD code and entering the reference code generated for you in the Kuda app.
Here's how it works:
- GTBank 's USSD code is *737#. Let's assume you want to transfer money from GTB to Kuda, all you need to do is enter the GTB's USSD code to the the "USSD Code" box in the Kuda app to generate your a "RefCode".
- Once the RefCode is generated, then copy and paste the code in your dial pad and dial the code on your GTB registered phone number.
- After dialing the code, the mobile network will communicate with your bank to authorize and complete the transaction.
However, it's important to note that this USSD system on the Kuda app works with any bank that supports USSD banking in Nigeria. This means that it’s a cross-bank system — you just need to choose your bank and follow the USSD prompt.
This type of USSD service is often used by fintech apps, merchants, or billing platforms to collect payments without needing internet access, making it accessible even to users with basic phones.
How to Use Kuda USSD Code
The USSD banking is categorized under "careless" payment in the Kuda app. To use this service, login to your Kuda app using your unique password and registered email address. After successful sign-in, tap "Pay" tab and select "USSD".
Other features that are available under "cordless payment" in the Kuda app includes Pay ID (a unique identifier for seamless payments), and POS (an electronic point-of-sale payments without a credit/debit card), Gift Cards that allows users to buy Gift Cards of any type, Transport that allows users manage or pay for transport services, and handle Education-related payments such as tuition or fees.
These features are designed to make banking and daily spending easier, even without a physical debit card.
