How To Upgrade Kuda Bank Account Easily

Kuda Bank is a digital bank operating in Nigeria and the UK. Founded in 2019, it initially started as Kudimoney, a simple online savings and loan platform. Today, it has evolved into a fully-fledged microfinance bank licensed by the Central Bank of Nigeria.

Their services includes:

  • Savings and Investment: Open a Kuda account and start saving money with competitive interest rates. You can also access investment options to grow your wealth.
  • Free Transfers: Send and receive money within Nigeria for free through the Kuda app. You can also send money internationally at competitive rates.
  • Bill Payments: Pay your bills for utilities, mobile data, and more, directly from the Kuda app.
  • Airtime and Data Top-up: Top up your own or others' mobile phones with airtime and data conveniently within the app.
  • Virtual Card: Get a free virtual card for online shopping and transactions.

This post will delve into How To Upgrade Kuda Bank Account Easily.

Benefits of Upgrade Your Kuda Bank  Account Easily

Kuda's free tier offers a plethora of benefits, including free transfers within Nigeria, budget-tracking tools, and a virtual debit card. However, upgrading your account unlocks a whole new level of financial empowerment:

  • Higher Spending and Transfer Limits: Say goodbye to transaction limitations! With an upgraded account, you can send and spend larger amounts, catering to your growing financial needs.
  • Exclusive Offers and Rewards: Kuda partners with various brands to offer upgraded account holders exclusive deals and discounts, saving you money on everyday purchases.
  • Priority Customer Support: Need a helping hand? Upgraded Kuda users enjoy priority access to customer support, ensuring your queries are resolved swiftly and efficiently.
  • Early Access to New Features: As a valued upgraded customer, you'll be among the first to experience Kuda's latest innovations and features, keeping you ahead of the curve.
  • Enhanced Security: Upgraded accounts often come with additional security measures, giving you peace of mind knowing your finances are extra protected.

How To Upgrade Your Kuda Bank  Account Easily

Here are the steps on How To Upgrade Kuda Bank Account Easily:

  • Launch the Kuda App: Open the Kuda app on your phone and sign in using your credentials.
  • Find "Increase Your Limit": On your dashboard, locate the "Increase Your Limit" option. This is where the upgrade process begins.
  • Initiate Verification: Tap on "Verify Me" to start the account verification process.
  • Choose Your ID Type: Select the type of ID document you want to use for verification. Kuda accepts various options, including National ID cards, Driver's Licenses, and International Passports.
  • Specify Your ID: Within the selected type, choose the specific ID you possess. This ensures accurate processing.
  • Proceed: Tap "Next" to move to the next step.
  • Enter ID Number: Carefully enter your ID number. Double-check it to avoid delays in verification.
  • Confirm: Tap "Done" to confirm the entered ID details.
  • Return to Dashboard: Tap "Okay" to return to your Kuda dashboard.

Requirements to Upgrade Your Kuda Bank Account Easily

Here are the Requirements to Upgrade Your Kuda Bank Account Easily:

  • Valid Government-Issued ID: You'll need a valid ID document like your National ID card, Driver's License, or International Passport. Ensure it's unexpired and readily available.
  • Smartphone with Kuda App: Access the upgrade process through the Kuda app installed on your smartphone.
  • Stable Internet Connection: A reliable internet connection ensures smooth navigation and data submission during the upgrade process.
  • Valid Phone Number: Kuda might need to contact you via your registered phone number, so ensure it's active and accessible.
  • Email Address: In some cases, Kuda might request your email address for communication purposes.
  • Smartphone Camera: For video verification, you'll need a webcam or smartphone camera to connect with a Kuda representative for verification.


What documents do I need to upgrade my Kuda Bank account?

The required documents may vary depending on the chosen upgrade tier. However, generally, you'll need:

  • A valid government-issued ID (National ID card, Driver's License, International Passport)
  • Your Kuda app and a stable internet connection
  • Valid phone number associated with your Kuda account

How long does it take to upgrade my account?

Typically, Kuda processes upgrade applications within 24-48 hours. Once submitted, you'll receive a notification within the app informing you of the decision.

What happens if my application is rejected?

Don't worry if your application is initially rejected. Contact Kuda support for further assistance and guidance. They might require additional information or ask you to re-submit your application after addressing any errors.

Can I upgrade my Kuda Bank account offline?

Currently, upgrading your Kuda Bank account is only possible through the Kuda app. There's no offline option available.

What are the different types of upgrade tiers available?

Kuda offers various upgrade tiers with varying features and transaction limits. You can choose the tier that best suits your needs and financial situation.

How much does it cost to upgrade my Kuda Bank account?

Upgrading your Kuda Bank account is free! There are no associated fees or charges for initiating the upgrade process.

Is it safe to upgrade my Kuda Bank account?

Yes, upgrading your Kuda Bank account is entirely safe and secure. Kuda uses advanced security measures to protect your information and ensure a smooth and secure upgrade process.


Upgrading your Kuda Bank account is an uncomplicated yet impactful move toward financial  flexibility. With expanded transaction and withdrawal limits, exclusive features, and the potential for higher interest rates, you can effortlessly manage your money.

So, why wait? Upgrade your Kuda account today and begin to fully explore the potential of your finances!

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