SECURE YOUR KUDA ACCOUNT

Secure your Kuda Account.

Work through these protections one at a time. After making a change, verify that the protection is actually active.

Your Kuda Account protects your money and financial activity.

Kuda uses several layers of protection, including separate PINs, biometrics, transaction alerts, card controls and additional verification for certain activities.

Your security still depends on protecting your phone, SIM, PINs, password, card details and transaction decisions.

KUDA ACCOUNT SECURITY

Work through these protections one at a time.

Kuda features can change between app versions, devices and account situations. Use the settings shown in your own official Kuda app and verify each protection after setting it up.

Protect your six-digit sign-in PIN

Your Kuda sign-in PIN protects access to the app. Keep it private and make sure nobody else can see or guess it.

Click to see protection steps

Step-by-step

  1. Open the official Kuda app.
  2. Review your current sign-in PIN.
  3. Never share your PIN with another person.
  4. Do not use an obvious PIN that someone who knows you could easily guess.
  5. Shield your screen when entering your PIN around other people.
  6. If you believe someone knows your PIN, change it through Kuda's official security settings.

VERIFY: Confirm that your sign-in PIN is known only to you and that nobody can easily observe or guess it.

Protect your transaction PIN

Your transaction PIN authorizes financial activity and should be different from credentials you use elsewhere.

Click to see protection steps

Step-by-step

  1. Open Kuda and tap your Profile Picture.
  2. Tap Security.
  3. Select Transaction PIN.
  4. If you need to change it, choose how to receive the verification code.
  5. Enter the OTP sent to your verified contact method.
  6. Create a new transaction PIN and confirm it.
  7. Tap Save.
  8. Never share the transaction PIN with anyone, including someone claiming to be Kuda support.

VERIFY: Confirm that your new transaction PIN has been saved and that only you know it.

Use fingerprint or Face ID

Kuda supports biometric authentication on compatible devices for signing in and authorising transactions.

Click to see protection steps

Step-by-step

  1. Open the official Kuda app.
  2. Open the available Security settings.
  3. Look for the Fingerprint or Face ID option.
  4. Enable the feature if your device supports it.
  5. Complete the device authentication setup.
  6. Test signing in or authorising a supported action with your biometric security.
  7. Make sure only your own biometric information is registered on the device.

VERIFY: Confirm that biometric authentication is active and that nobody else's fingerprint or face is registered on your device.

Set up a passkey when available

A passkey can add another secure way to authenticate your Kuda account without relying only on a password.

Click to see protection steps

Step-by-step

  1. Open the official Kuda app.
  2. Open your Security settings.
  3. Look for the Passkeys option.
  4. If available, choose the option to create or set up a passkey.
  5. Follow the device authentication instructions.
  6. Complete the setup using your device's supported security method.
  7. Return to the passkey settings and confirm that the passkey has been added successfully.

VERIFY: Confirm that the passkey is listed as active and that it belongs to a device you control.

Understand Safety Mode

Kuda's Safety Mode can add an extra OTP step when your account is accessed from a new device.

Click to see protection steps

Step-by-step

  1. Understand that Safety Mode can activate when you sign in from a new phone or tablet.
  2. During Safety Mode, Kuda may require an OTP after your PIN or fingerprint for certain actions.
  3. Pay close attention to what you are authorising before entering the OTP.
  4. Never give the OTP to another person.
  5. If you did not initiate the action that triggered the code, stop and investigate.
  6. Remember that Safety Mode is a temporary protection and does not replace your normal account-security habits.

VERIFY: When Safety Mode appears, confirm that every action requiring verification was initiated by you.

Verify an unsaved beneficiary before transferring money

Kuda gives you an opportunity to confirm a new beneficiary because completed transfers can be very difficult to reverse.

Click to see protection steps

Step-by-step

  1. Stop before confirming the transfer to an unsaved beneficiary.
  2. Check the recipient name.
  3. Check the account number.
  4. Check the amount.
  5. If someone sent you the details through WhatsApp, SMS, social media or a phone call, verify them through another trusted channel.
  6. Do not let urgency or pressure make you skip the confirmation.
  7. Approve the transfer only when every important detail is correct.

VERIFY: Before confirming the transfer, make sure the recipient, account number and amount are exactly what you intended.

Review transaction alerts

Real-time transaction notifications can help you notice unauthorized activity sooner.

Click to see protection steps

Step-by-step

  1. Keep your Kuda app notifications enabled where appropriate.
  2. Keep access to the email address connected to your Kuda account.
  3. Pay attention to transaction notifications.
  4. Investigate any transaction you do not recognize.
  5. Do not assume an unexpected debit is harmless.
  6. Contact Kuda immediately if you suspect a transaction was not authorised by you.

VERIFY: Confirm that you can receive and notice Kuda's transaction alerts and that recent transactions are ones you recognize.

Protect your Kuda Card

Your physical or virtual card needs its own protection in addition to your Kuda account security.

Click to see protection steps

Step-by-step

  1. Open Cards in the Kuda app.
  2. Review the cards associated with your account.
  3. Confirm that every card shown is one you recognize.
  4. Never share your card PIN, CVV or full card number.
  5. Review recent card activity.
  6. If your card is missing or you suspect it has been stolen, use Kuda's available card controls to block or cancel it.

VERIFY: Confirm that your active cards are ones you recognize and that no unfamiliar card activity remains unexplained.

Control where your Kuda Card can be used

Kuda lets you manage card channels such as POS, online and ATM transactions.

Click to see protection steps

Step-by-step

  1. Open the Kuda app and tap Cards.
  2. Select Manage Card.
  3. Select Manage Channels.
  4. Review the available channels, such as POS, ATM, Online or Contactless Payments.
  5. Turn off channels you do not need where the available controls allow it.
  6. Set appropriate daily spending limits where available.
  7. Tap Save.

VERIFY: Confirm that your card channels and spending limits match the way you actually use your card.

Protect your virtual card

A virtual card is still a financial credential. Protect its details just as carefully as a physical card.

Click to see protection steps

Step-by-step

  1. Open Cards in the Kuda app.
  2. Select your virtual card.
  3. Use Kuda's available PIN, fingerprint or Face IDprotection when accessing sensitive card details.
  4. Never send your full card number, CVV or authentication information to another person.
  5. Only enter card details on websites or services you have independently verified.
  6. Review virtual-card transactions regularly.

VERIFY: Confirm that your virtual card details are protected and that recent online transactions are ones you recognize.

Protect your registered email

Your email address receives important Kuda updates, alerts and security notifications.

Click to see protection steps

Step-by-step

  1. Open your Kuda Profile.
  2. Review the email address associated with your account.
  3. Confirm that you still control the email account.
  4. Protect the email account with a strong, unique password.
  5. Enable multi-factor authentication on the email account where available.
  6. If you change the email address, complete Kuda's verification process using the official app.

VERIFY: Confirm that your registered email belongs to you and that you can access it right now.

Protect your phone and SIM

Your phone and mobile number can become important parts of account access and verification.

Click to see protection steps

Step-by-step

  1. Use a strong screen lock on your phone.
  2. Use fingerprint or Face ID where appropriate.
  3. Keep your operating system updated.
  4. Keep your registered SIM under your control.
  5. Investigate unexplained loss of mobile service.
  6. Never hand your SIM to someone claiming they need it to fix your Kuda account.
  7. If your phone or SIM is lost, secure your Kuda account immediately.

VERIFY: Confirm that your phone, SIM and device lock are under your control before using Kuda for sensitive financial activity.

Beware of fake Kuda messages and support

Kuda warns users about messages, emails and calls asking for confidential information or money.

Click to see protection steps

Step-by-step

  1. Be cautious about unexpected Kuda support messages.
  2. Never share your password or PIN with someone claiming to be Kuda support.
  3. Treat unexpected OTP requests as suspicious.
  4. Be suspicious of messages asking you to pay money to receive a Kuda overdraft or other benefit.
  5. Do not click unexpected links.
  6. If you are unsure whether a message is genuine, contact Kuda directly through the official app or verified support channel.

VERIFY: Confirm unexpected Kuda communications independently before taking any action or providing any information.

Protect yourself from fake transaction alerts

A screenshot, SMS or message claiming that someone paid you is not enough proof that money reached your account.

Click to see protection steps

Step-by-step

  1. Do not release goods or services solely because someone shows you a payment screenshot.
  2. Open your Kuda app directly.
  3. Check your actual transaction history.
  4. Confirm that the money has actually been credited to your account.
  5. Check the amount and transaction details.
  6. If the payment is not reflected in your account, stop and investigate before releasing the goods or service.

VERIFY: Confirm the payment inside your own Kuda account rather than trusting a screenshot or message from another person.

Know what to do if your account is blocked

Kuda may temporarily restrict an account when activity appears unusual. A block does not automatically mean your money is lost.

Click to see protection steps

Step-by-step

  1. Do not panic or create another account simply because access is temporarily restricted.
  2. Read the message Kuda sends about the restriction.
  3. Follow the instructions provided by Kuda.
  4. If Kuda asks you to contact Support, use the official channel.
  5. If you completed a legitimate sign-in from a new device, follow Kuda's official instructions for removing the restriction.
  6. Never pay an unknown person to "unlock" your Kuda account.

VERIFY: Confirm that you are following instructions received through an official Kuda channel before attempting to restore access.

Block your account if someone may have access

If you think someone has access to your Kuda account, blocking the account can restrict outgoing transactions while you investigate.

Click to see protection steps

Step-by-step

  1. Open the Kuda app if you still have access.
  2. Tap your Profile Picture.
  3. Tap your Account Name.
  4. Select Block Account.
  5. Follow the on-screen instructions.
  6. If your phone is lost or stolen and you cannot access the app, use Kuda's official Self Help Page from another trusted device.
  7. Contact Kuda Support immediately after blocking the account.

VERIFY: Confirm that your account has been blocked and that Kuda Support has been informed if you suspect unauthorized access.

Know what to do if your phone is lost or stolen

Kuda provides a way to temporarily block your account from another trusted device when you cannot access the app.

Click to see protection steps

Step-by-step

  1. Use another trusted device.
  2. Open Kuda's official Self Help Page.
  3. Select Block My Account.
  4. Sign in and select the affected Kuda account.
  5. Select Continue.
  6. Select Block Account.
  7. Contact your mobile network provider to secure your SIM.
  8. Contact Kuda Support and report the lost or stolen phone.

VERIFY: Confirm that the Kuda account has been temporarily blocked and that your SIM and phone-access risks have also been addressed.

Recover your Kuda account safely

Kuda provides an identity-verification process for recovering an existing account when you no longer have access to some account details.

Click to see protection steps

Step-by-step

  1. Open the official Kuda app.
  2. Sign in using the available profile information.
  3. Select Verify Your Identity when prompted.
  4. Complete the relevant account-purpose stage.
  5. Add your BVN when Kuda requests it as part of the recovery process.
  6. Follow the identity-verification instructions shown by Kuda.
  7. If you do not have access to the existing email, follow Kuda's additional phone-number, date-of-birth, OTP and video-selfie instructions where applicable.

VERIFY: Complete account recovery only through Kuda's official app and verification process.

Review suspicious transactions immediately

If you suspect a scam or unauthorized transaction, act quickly instead of waiting to see what happens.

Click to see protection steps

Step-by-step

  1. Stop making additional transfers while you investigate.
  2. Review your transaction history.
  3. Check for unfamiliar payments, transfers or card transactions.
  4. Preserve screenshots, transaction details and messagesas evidence.
  5. Block your account if you believe someone has access to it.
  6. Contact Kuda immediately through the app, official phone or email support.
  7. Do not post sensitive transaction details publicly on social media.

VERIFY: Confirm that Kuda has received your report and that your account has been secured while the issue is investigated.

Something does not look right?

If you find an unfamiliar login, changed recovery information, unexpected security alerts or another sign that someone may have accessed your account, stop the normal security check and move to the recovery process.

I think my account is compromised →
Still need help?

If you have worked through the relevant settings and something still looks wrong, do not give your security secrets to someone promising to fix the account. Use the service's official support and recovery resources for service-specific account problems.

For broader cybersecurity problems, you can also use the professional assistance pathway on this platform.

Need Professional Help? →
Kuda security is not a one-time task.

Review important account settings periodically, especially after a password change, device change, suspicious message or unexpected login alert.

VERIFY BEFORE YOU TRUST.

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