How To Open Kuda Bank Account Without BVN

Do you want to open a Kuda Bank account but don't have your BVN? You're not alone! Many individuals struggle to open a bank account without the required BVN. Fortunately, Kuda Bank offers a simple and straightforward process for opening an account without a BVN. 

In this blog post, we will cover all the steps necessary to open a Kuda Bank account without a BVN. So, if you're ready to learn how to open a Kuda Bank account without a BVN, keep reading!

Overview Of Kuda Bank

Kuda Bank is a digital bank that aims to revolutionize banking in Nigeria. With its innovative approach to banking, Kuda Bank provides users with a seamless and convenient banking experience right at their fingertips. 

Whether you are a student, a freelancer, or a small business owner, Kuda Bank offers a range of services tailored to meet your banking needs.

One of the key features of Kuda Bank is its mobile app, which allows users to access their accounts anytime, anywhere. The app offers a user-friendly interface that makes banking transactions simple and efficient. With just a few taps, you can transfer funds, pay bills, and manage your finances with ease.

Moreover, Kuda Bank provides its customers with a free debit card, enabling them to make purchases online and in stores. This eliminates the need to carry cash and offers a secure and convenient way to make payments.

In addition to these features, Kuda Bank also offers a high interest rate on savings accounts, making it an attractive option for those looking to grow their money.

Overall, Kuda Bank is a game-changer in the banking industry, providing Nigerians with a modern and user-friendly banking solution. With its range of services and convenience, it's no wonder why many people are opting to open an account with Kuda Bank

How to open a Kuda Bank account without a BVN

If you don't have a BVN (Bank Verification Number) but still want to open a Kuda Bank account, don't worry - it's still possible! 

Here's how you can do it:

1. Download the Kuda Bank app: Start by downloading the Kuda Bank app from your app store. It's available for both iOS and Android devices.

2. Sign up: Once you've downloaded the app, open it and click on the "Sign up" button. You'll need to provide your basic information such as your name, email address, and phone number.

3. Complete the registration process: Follow the instructions on the app to complete the registration process. You'll be asked to verify your phone number through an SMS code.

4. Submit identification documents: After verifying your phone number, you'll need to provide identification documents such as your passport or national ID card. Take clear photos of these documents and upload them to the app.

5. Provide additional information: In addition to your identification documents, you'll need to provide other details such as your address and occupation. Fill in these details accurately to proceed with the account opening process.

6. Wait for approval: Once you've submitted all the required information, Kuda Bank will review your application. It may take some time for them to approve your account, so be patient..

Opening a Kuda Bank account without a BVN is a straightforward process. Just follow these steps, and you'll be on your way to enjoying the benefits of having a Kuda Bank account, even without a BVN.

Read Also: How To Open Palmpay Account Without BVN

Disadvantages Of Opening A Kuda Account Without BVN

While it may be possible to open a Kuda Bank account without a BVN, there are several disadvantages to consider. First and foremost, without a BVN, you may have limited access to certain banking services. 

For instance, you may not be able to access loans or overdraft facilities, which could be a significant disadvantage if you are in need of financial assistance.

Additionally, not having a BVN could limit the security features available for your Kuda Bank account. BVN is an important tool in ensuring the safety and integrity of your banking transactions. Without it, you may be more vulnerable to fraud and other security risks.

Another drawback of opening a Kuda Bank account without a BVN is that you may not be eligible for certain benefits or promotions offered by the bank. Many banks offer incentives and rewards for customers with BVNs, such as higher interest rates or waived fees. Without a BVN, you may miss out on these opportunities.

Furthermore, not having a BVN could make it more difficult to link your Kuda Bank account with other financial services or platforms. BVN is often required for transactions such as mobile money transfers or linking your account with fintech apps.

Overall, while it may be possible to open a Kuda Bank account without a BVN, it is important to consider the potential disadvantages before making a decision. It is always recommended to have a BVN for a more secure and complete banking experience.


Can I open a bank account without BVN?

Yes, you can open a bank account without BVN, however, please note that these banks will come with some limitations.

Which online bank can open without BVN?

Some mobile banks, such as OPay and PalmPay, allow you to create an account without a BVN. However, these accounts have some limitations, such as not being able to link to a bank account or use for some financial services.

What is the account limit for Kuda without BVN?

If you open a Kuda account without a BVN, you will have a daily deposit limit of NGN 50,000 and a daily withdrawal limit of NGN20,000. You will also not be able to link your account to a bank account or use it for some financial services.

What is the maximum amount for a Kuda account?

The maximum amount for a Kuda account is NGN1 million. However, you may be able to increase this limit if you provide Kuda with additional documentation, such as a utility bill or a payslip.

Can my Kuda account receive dollars?

Yes, your Kuda account can receive dollars. However, you will need to convert the dollars to naira before you can use them. You can do this by using the Kuda app or by visiting a Kuda agent.


In conclusion, opening a Kuda Bank account without a Bank Verification Number (BVN) is not possible. The Central Bank of Nigeria (CBN) has mandated the use of BVN as a fundamental requirement for individuals seeking to open and operate bank accounts in the country, including with digital banks like Kuda. 

The BVN serves as a unique identifier and an essential tool to combat financial fraud and enhance the security of financial transactions.

To create a Kuda Bank account, one must provide their BVN during the registration process. Without a valid BVN, individuals will not be able to access the services and benefits offered by Kuda Bank or any other financial institution in Nigeria. 

Therefore, it is crucial for prospective customers to ensure they have obtained their BVN before attempting to open an account with Kuda Bank or any other bank in the country.

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