Banking services

Kuda Bank Login with Phone Number, Email, Online Portal, Website

Kuda Bank is one of the popular digital banks in Nigeria that allows customers to easily open accounts, make transactions, apply for loans, and carry out other banking services from the comfort of their homes using their smartphones or computers. With no physical branches, Kuda Bank relies on technology to make banking seamless for its customers.

In this post, we provide a step-by-step guide on how to log in to your Kuda Bank account using your phone number, and email address w through their website’s online portal.

Logging In with Phone Number

Here are the steps to log into your Kuda Bank account using your phone number:

1. Launch the Kuda Bank mobile app on your device or visit their website on your browser.

2. Click on the “Login” button at the top right corner of the page. This will lead you to the login page.

3. On the login page, enter your registered 10-digit phone number in the phone number field. Make sure to include your country code if you used an international number to open your Kuda account.

4. Click on “Continue”. This will lead you to the OTP verification page.

5. Kuda will automatically send a one-time password (OTP) to your phone number. Enter this 4-digit OTP when prompted then click “Verify”.

6. Once verified, you will be logged in to your Kuda Bank account dashboard. You can now access your profile details, accounts overview, make transactions e.t.c

And that’s it! Those are the simple steps to log in to your Kuda account using your registered phone number. Make sure your number is always active to receive login OTPs promptly.

Logging In with Email

To log in with your email address, follow these easy steps:

1. Open the Kuda mobile app or website and click “Login”

2. On the login page, enter your registered email address in the email address field

3. Click “Continue”. This sends an OTP to your email inbox

4. Go to your email inbox, copy the 6-digit code, and paste it into the OTP verification field

5. Click “Verify” and you will be logged in to your Kuda Bank account!

That is all you need to successfully log in using your Kuda email address. Keep your inbox open to get the OTP on time.

Using the Online Portal to Login

Kuda Bank also provides an online portal for customers to log in and manage their accounts conveniently. Follow the login process below:

1. On your browser, enter to access their online website

2. Click “Login” at the top menu bar

3. Select “Online Portal”

4. This redirects you to the online banking portal’s login page

5. Enter either your phone number or email address used to open your Kuda account

6. Click “Continue” and input the OTP sent to your phone/email when prompted

7. Verify the code, accept the terms and conditions, and log in to the online portal

8. You can now view e-statements, request cards, reach customer care, and do so much more!

The online portal is fast, intuitive, and packed with tools that allow you to bank seamlessly anytime, anywhere. Save the website URL for quick access whenever you want to log in.

Reset Kuda Account Password

If you forget your account password, follow these recovery steps:

1. On the login screen, click “Forgot password?” below the password field

2. Select either the phone number or email address recovery option

3. Input your registered phone number or email address

4. Click “Continue” and enter the OTP sent to your phone/email

5. After verification, create a new strong password

6. Confirm the new password and click “Reset Password”

7. Your new password is now updated. Use it to log into your account

Be sure to set a strong password that is hard to crack. Do not share your login details with anyone to avoid unauthorized access.

First-time Login Credentials

When opening a new Kuda account, your first login credentials are:

• Phone Number – The number you registered with is your first username

• Password – Your date of birth (DDMMYYYY format) is the default password

• PIN – 1234 is the initial 4-digit transaction PIN that you will be prompted to change after your first login.

So input your phone number, DOB, and 1234 PIN for a successful first-time login. You can then customize your credentials for optimal security.

Frequently Asked Questions

How do I log in to my Kuda account for the first time?

Use your registered phone number as username, your date of birth (DDMMYYYY format) as password, and 1234 as the default PIN for first-time login.

I forgot my Kuda Bank password. How do I reset it?

Go to the login page, click “Forgot Password”, enter your phone/email, get OTP, verify then reset your password.

Is the Kuda Bank login OTP sent via SMS or email?

The OTP for logging in is sent directly as SMS to your registered phone number.

How long is the login OTP code valid for?

The OTP code expires after 5 minutes. Enter the code on time before it lapses.

How many tries do I have to enter my login OTP correctly?

You get 5 tries to input the correct OTP before getting blocked.

I keep getting an “Incorrect OTP” message when logging in

Check you enter the right 6-digit code sent to your phone/email without mistakes before OTP lapses.

What happens if I block my Kuda account from failed logins?

Contact customer care to unblock your account. Continued wrong input can lead to account suspension.

Can I log in from both the mobile app and the online portal?

Yes, use your registered details on both platforms for a seamless experience.

How do I get a new login PIN for my Kuda account?

Login safely, go to Profile, and click Reset/Change transaction PIN to get a new one.

Who do I contact if I have login issues?

Reach Kuda Customer Care via email, chatbot, or social media to get assistance.


Logging in to your Kuda Bank account using your mobile number, email or their online portal is easy and convenient. With the simple step-by-step guides outlined above, you can securely access your account details, cards, funds transfers plus other services Kuda offers to enhance your digital banking experience. Ensure to keep login details private and set up reliable login recovery options.

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