Home Finance How to Open a Kuda Bank Account without BVN

How to Open a Kuda Bank Account without BVN

Are you one of the many individuals out there seeking to embrace the convenience of modern banking? 

Perhaps you’re a newcomer who’s just embarked on a journey to explore banks. If you’ve recently downloaded the Kuda Bank mobile app, you’re on the right path. However, there’s a crucial piece of information you need to be aware of right from the start.

Without this essential detail, your journey will hit a roadblock. You see, Kuda Bank has its own set of rules and requirements, and one particular requirement stands as an unyielding gatekeeper to your financial adventure. Unlike some other platforms, there’s no flexibility here, no alternative route to bypass this crucial step.

So, what exactly is this requirement that’s absolutely non-negotiable? To put it simply, it’s your BVN, or Bank Verification Number. 

Without it, you cannot fully access and utilize the Kuda Bank app. There’s no workaround, no substitute, and no shortcut. It’s a straightforward necessity that ensures the security and integrity of your digital banking experience.

But fret not, for in this article, we’re going to enter into the ins and outs of how to open a Kuda Bank account without a BVN. We’ll guide you through the process, step by step, so you can unlock all the amazing features this digital bank has to offer. No BVN? No problem! Let’s get started.

What is Kuda Bank?

Kuda is a mobile-only bank that was founded in 2019. It is headquartered in Lagos, Nigeria, and has over 2 million customers. Kuda offers a variety of banking services, including savings accounts, current accounts, debit cards, and loans.

Why Open a Kuda Bank Account Without BVN?

There are a few reasons why you might want to open a Kuda bank account without a BVN.

  1. You do not have a BVN.

   If you haven’t obtained a Bank Verification Number, you can still enjoy the benefits of banking with Kuda.

  1. You want to avoid the hassle of getting a BVN. 

Obtaining a BVN can sometimes involve long queues and administrative procedures. If you prefer a more convenient option, Kuda is the way to go.

  1. You are concerned about the security of your BVN. 
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   Some individuals are worried about the security of their BVN information. By opening an account with Kuda without BVN, you can alleviate these concerns.

You are a resident of a country where BVNs are not yet available. 

What are the Requirements to Open a Kuda Bank Account Without BVN?

To open a Kuda bank account without a BVN, you will need to provide the following information and documents:

1.  Your full name 

   Ensure that your full legal name is provided accurately.

2.  Your date of birth 

   Provide your correct date of birth for identity verification.

3.  Your phone number 

   A valid and working phone number is required for communication and account setup.

4.  Your email address 

   An active email address is necessary for account-related notifications.

5.  A valid government-issued ID 

   You will need to upload a clear copy of an official government-issued identification document, such as a passport or driver’s license.

6.  A utility bill or bank statement (to verify your address) 

This document serves as proof of your address. Ensure it is recent and matches the address details provided during registration.

How to Open a Kuda Bank Account Without BVN

Follow these step-by-step instructions to open a Kuda bank account without a BVN:

Step 1: Download the Kuda App

Start by downloading the Kuda app from the Google Play Store or the App Store, depending on your device’s operating system.

Step 2: Create an Account

Open the app and begin the account creation process. You will be prompted to provide the following information:

  • Your full name
  • Your date of birth
  • Your phone number
  • Your email address

Ensure that all information is accurate and matches your official documents.

Step 3: Verify Your Identity

Kuda Bank needs to verify your identity to comply with regulatory requirements. To do this, you will be asked to upload clear photos or scans of:

  • A government-issued ID (passport, driver’s license, or national ID card)
  • A utility bill or bank statement in your name as proof of address
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Ensure that these documents are of high quality and show all details clearly.

Then, click on I don’t have a BVN and then tap on “Continue button. 

Step 4: Fund Your Account

After completing the identity verification process, you will be asked to make an initial deposit of at least N500 into your Kuda account. This amount serves as your account activation fund.

Step 5: Confirmation

Once you have provided all the necessary information and funded your account, Kuda Bank will review your application. If everything checks out, you will receive a confirmation email at the address you provided during registration.

After approval, you can log in to your Kuda Bank account through the app and start enjoying its banking services.

FAQs About Opening a Kuda Bank Account Without BVN

How much can a Kuda account hold without BVN?

If you open a Kuda account without a BVN, you will be given a Tier 0 account. This account will have a balance of 0 naira and you will not be able to make any transactions with it, such as transferring money, making payments, or withdrawing cash.

Which bank can be open without BVN?

There are a few banks in Nigeria that allow you to open an account without a BVN. These banks are:

  • Kuda Bank
  • ALAT by Wema Bank
  • Rubies Bank
  • Eyowo

Can I open a Kuda account with only NIN?

Yes, Kuda accepts NIN (National Identification Number) and you will be able to send and receive money through Kuda. 


In conclusion, opening a Kuda bank account without a BVN is a simple process that provides convenience and accessibility to a wide range of banking services. Whether you do not have a BVN or simply prefer the ease of Kuda’s digital banking, you can enjoy secure and efficient banking with this mobile-only bank.

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