Home Finance How to Get Kuda Bank ATM Card, Debit Card and Account Number...

How to Get Kuda Bank ATM Card, Debit Card and Account Number in Nigeria

Have you ever struggled to manage your finances or make payments due to not having a bank account? Well, worry no more because in this article I will take you through the simple steps to get a Kuda Bank debit card and account number so you can start enjoying convenient banking services right in your palm. 

As someone who was tired of standing in long queues at physical bank branches only to be frustrated with inefficient customer service, I was eager to switch to a more modern digital banking option. That’s when I came across Kuda Bank – an app-only bank that allows you to open an account and receive a virtual debit card completely online within minutes. I was impressed by their seamless signup process and wondered if this could really work as smoothly as they claimed. So I decided to give it a try and in this article, I want to share my experience opening a Kuda Bank account so you too can start banking easily on the go.

Why Choose Kuda Bank?

Before getting into the steps, let me highlight some of the main benefits that make Kuda Bank a great choice for your banking needs:

No physical branches needed: As an all-digital bank, you can open an account and manage it entirely from their mobile app without ever having to step into a physical branch. This makes the account opening and usage process very convenient.

Fast signup process: Unlike traditional banks, Kuda Bank allows you to sign up for a basic savings account within minutes by simply providing your basic details on their app. No lengthy paperwork or long wait times.

Virtual debit card: Once your account is approved, you get a virtual Kuda debit card linked to your account that you can start using on any online payment platforms like Jumia, Konga etc for shopping. 

No account maintenance fees: Kuda Bank does not charge monthly or annual maintenance fees on their basic savings accounts making it a very affordable option.

Ease of funds transfer: You can easily transfer money to other bank accounts using just their account numbers or mobile money wallets like Paystack, Flutterwave etc. locally and internationally.

Hope this overview helps convince you about some standout benefits of choosing Kuda Bank. Now let’s get into the step-by-step guide.

How to Sign Up for a Kuda Bank Account

Step 1: Download the Kuda Bank mobile app from the Google Play Store or Apple App Store onto your smartphone. 

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Step 2: Open the app and tap on ‘Sign Up’ to begin the registration process.

Step 3: Enter your basic details like full name, phone number, email and choose a strong password. 

Step 4: Review and accept Kuda Bank’s terms and conditions before proceeding. 

Step 5: Submit your details and the app will send an OTP (One-Time Password) code to your registered phone number for verification. 

Step 6: Enter the received OTP code to verify your phone number.

Step 7: Take a selfie following the app’s instructions for facial recognition verification. 

Step 8: Provide your BVN (Bank Verification Number) for identification. 

Step 9: Your registration will now be reviewed and if approved, your Kuda Bank account will be instantly opened with a virtual debit card.

That’s it! Opening a basic savings account takes only a few minutes once you have all the required details ready. Kuda Bank keeps the process very simple and streamlined without any lengthy documentation.

How to Get Your Kuda Bank Account Number 

Now that your account is opened, here are the steps to get your account number:

Step 1: Log into your Kuda Bank account from the app using your registered login details.

Step 2: Tap on the menu icon on the top left corner. 

Step 3: Select ‘Account Details’ from the menu options. 

Step 4: Your 16-digit Kuda Bank account number will be displayed under the ‘Account Number’ field. 

Step 5: You can save or note down this number securely for making deposits or receiving funds into your account.

Your account number acts as your identifier for all banking transactions specifically funds transfer to and from your Kuda Bank account. Ensure you keep it confidential as you would your ATM PIN.

How to Order Your Kuda Bank Debit Card

While you can start using your virtual Kuda Bank debit card on digital platforms, here are the steps to order your physical debit card: 

Step 1: On the Kuda Bank app homepage, tap on the three-line icon at the top-left. 

Step 2: Select ‘Cards’ from the side menu. 

Step 3: Choose the option to ‘Order Physical Card’ and enter your delivery details like full name and address. 

Step 4: Select your preferred delivery option whether standard or express and pay the applicable card delivery fee.  

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Step 5: Submit your order and your physical Kuda Bank debit card will be delivered within 4-7 working days to the provided address.

Once received, you can start using it to make in-store payments, cash withdrawals at ATMs along with all other card payment features. Always keep your card safe and notify Kuda Bank immediately in case of loss or theft.

How to Make Your First Deposit

Now that you have your Kuda Bank virtual or physical debit card, here is how to deposit funds into your new account:

Step 1: Go to the ‘Transfer’ section on the Kuda Bank app.

Step 2: Select ‘Deposit Funds’ and choose from the available deposit options – bank transfer, USSD codes, payment outlets etc. 

Step 3: For bank transfers, provide your Kuda Bank account details to the transferring bank and make the deposit. 

Step 4: You can also use popular USSD codes like 94516digitaccountnumber to transfer from any bank. 

Step 5: Select payment channels like Flutterwave, Paystack, Remita to deposit online. 

Step 6: Funds will reflect in your Kuda Bank account instantly once the deposit is successful.

Step 7: You can now start using the deposited funds for your shopping, bills payment and other financial needs.


In conclusion, opening and managing a Kuda Bank account provides Nigerians with a seamless digital banking experience through their well-designed mobile app. The instant account opening, virtual debit card, free fund transfers and overall ease of use makes Kuda Bank a simple and convenient banking option for individuals and merchants alike. 

I would highly recommend giving Kuda Bank a try if you want a tech-friendly alternative to traditional banking or to complement your existing accounts. Go ahead, download the app now and get started with your new mobile-first bank account in Nigeria.

Let me know if you need any clarification or have additional questions in the comments section below. I’ll be happy to assist further.


How can I get my 16 digit card number without my card?

To retrieve your 16-digit card number without your physical card, you can check your billing statement, online banking portal, digital wallet, web browser autofill, or contact customer service for assistance. These methods often provide access to your card number without needing the physical card.

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