Home Finance How To Open Kuda Bank Account Without BVN

How To Open Kuda Bank Account Without BVN

Kuda is a digital bank that offers a variety of financial services, including savings accounts, loans, and investment products. Kuda is known for its easy-to-use app and its low fees.

One of the things that makes Kuda unique is that you can open an account without a BVN. This is great for people who do not have a BVN or who do not want to share their BVN with a bank.

To open a Kuda account without a BVN, you will need to follow the instructions I will provide for you in this article. 

Overview Of Kuda Bank Services 

Kuda Bank is a forward-thinking digital bank that aims to revolutionize the way people manage their finances. The bank operates exclusively through its mobile app, offering a wide range of innovative and customer-centric financial services. Here is an overview of the key services provided by Kuda Bank:

  • Bank Account: Kuda offers fully functional bank accounts with unique features, including the ability to save, spend, and manage money entirely through the mobile app. Users can open an account quickly, and there is no need to visit a physical branch.
  • Personal Finance Management: The app comes with built-in personal finance management tools, enabling users to track their spending, set budgets, and monitor their financial health.
  • Budgeting and Savings: Kuda allows users to create personalized budgets and set savings goals, making it easier to manage expenses and work towards financial objectives.
  • Free Transfers: Kuda Bank offers free transfers to other Kuda accounts and other Nigerian banks. This feature eliminates transaction charges and ensures cost-effective money transfers.
  • Bill Payments: Users can conveniently pay utility bills, purchase airtime and data, and handle other payments directly through the app, saving time and effort.
  • Security: Kuda places a high priority on security, implementing advanced encryption and biometric authentication to safeguard customer data and transactions.
  • Customer Support: The bank provides responsive customer support through multiple channels, including in-app chat and email.
  • No Hidden Fees: Kuda is committed to transparency and simplicity, and it does not charge hidden fees or maintenance charges for its basic account.
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With its user-friendly interface, customer-centric approach, and dedication to leveraging technology for financial empowerment, Kuda Bank has emerged as a game-changer in the Nigerian banking landscape.

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How To Open Kuda Bank Account Without BVN

Opening a Kuda Bank account without a Bank Verification Number (BVN) is a straightforward and hassle-free process. Here are the steps to get started:

  • Download the Kuda App: Visit your smartphone’s app store (Google Play Store for Android or Apple App Store for iOS) and download the Kuda Bank app.
  • Install and Launch the App: Once the app is installed, launch it to begin the account opening process.
  • Provide Basic Information: Fill in your personal details, including your full name, phone number, and email address. Ensure that the information provided is accurate and up-to-date.
  • Create a Secure PIN: Set up a secure four-digit PIN to protect your account and ensure the safety of your transactions.
  • Verify Your Phone Number: Kuda Bank will send a verification code to the phone number provided during registration. Enter the code to verify your phone number.
  • Add Personal Details: Input additional personal information, such as your date of birth, gender, and occupation.
  • Set Security Questions: Set up security questions and answers to add an extra layer of security to your account.
  • Provide a Profile Photo: Upload a clear and recent passport-sized photo of yourself for identity verification purposes.
  • Skip BVN Verification: At this point, the app will prompt you to enter your BVN for verification. However, if you wish to open an account without BVN, simply choose the option to “Skip for Now.”
  • Start Using Your Account: Congratulations! You’ve successfully opened a Kuda Bank account without BVN. You can now start using your account for various transactions, including transfers, bill payments, and more.
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While opening a Kuda Bank account without BVN provides quick access to basic banking services, it’s important to note that a non-BVN account might have certain limitations, such as transaction and balance restrictions. For enhanced account benefits and higher transaction limits, users can choose to verify their account with a BVN at a later time through the app’s settings.


Can I open Kuda account on my phone?

Yes, you can open a Kuda account on your phone. The entire process is done through the Kuda app, which is available on both Android and iOS devices.

Which bank account can I open without BVN?

There are a few banks that allow you to open an account without a BVN. Some of these banks include:

  • Kuda
  • PiggyVest
  • PalmPay
  • OPay
  • Paystack
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What is the account limit for Kuda without BVN?

If you open a Kuda account without a BVN, you will have a daily transaction limit of ₦50,000. This means that you can only send or receive up to ₦50,000 in a day.

What do you need to open a Kuda bank account?

To open a Kuda bank account, you will need to provide the following information:

  • Your phone number
  • A password
  • Your NIN
  • A valid means of identification

How much is Kuda atm card?

The Kuda ATM card is free. You can apply for a card through the Kuda app. Once your application is approved, you will receive your card in the mail within a few weeks.


In conclusion, opening a Kuda Bank account without a Bank Verification Number (BVN) offers a swift and convenient way for individuals to access basic banking services. The process is user-friendly, allowing users to register and set up their accounts quickly through the Kuda Bank mobile app. By providing essential personal details, creating a secure PIN, and uploading a profile photo, users can initiate their digital banking journey without the immediate need for a BVN.

While a non-BVN verified account grants access to fundamental banking features, it is essential to be aware of the limitations that come with such an account. Transaction and balance restrictions may apply, and certain services and benefits reserved for fully verified accounts may not be available initially.

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