There are three account tiers (or levels) at Kuda and each tier has its own rules and limits.

An account that doesn’t have a confirmed BVN (Bank Verification Number) and a valid ID (a driver’s license, voter’s card international passport, national ID card, or NIN slip) is on Tier 0.

Tier 0 Rules And Limits

1. Can you add money to your account with a card? 

No, you can't.

2. Can you receive money?

No, you can't.

3. Can you send money from your account?

No, you can't.

4. Can you send money to other banks? 

No, you can't.

5. Can you pay bills from your account?

No, you can't.

6. Can you buy airtime from your account?

No, you can't.

7. Can you request a Kuda Card? 

No, you can't.

8. What’s your maximum account balance? 

Zero.

An account that has a confirmed BVN but doesn’t have a valid ID attached to it is on Tier 1.

Tier 1 Rules And Limits

1. Can you add money to your account with a card? 

No, you can't.

2. How much can your account receive at a time?

50,000 naira.

3. How much can you send from your account at a time?

50,000 naira.

4. Can you send money to other banks? 

Yes, you can.

5. What’s the maximum amount you can spend on a bill at a time?

Unlimited.

6. What’s the maximum amount you can spend on airtime at a time?

Unlimited.

7. Can you request a Kuda Card? 

Yes, you can.

8. What’s your maximum account balance? 

300,000 naira.

An account that has both a confirmed BVN and a valid ID attached to it is on Tier 3.

Tier 3 Rules And Limits

1. Can you add money to your account with a card? 

Yes, you can.

2. How much can your account receive at once? 

Unlimited.

3. How much can you send from your account at once? 

1 million naira.

4. Can you send money to other banks? 

Yes, you can.

5. What’s the maximum amount you can spend on a bill at a time? 

Unlimited.

6. What’s the maximum amount you can spend on airtime at a time? 

Unlimited.

7. Can you request a Kuda Card? 

Yes, you can,

8. What’s your maximum account balance? 

Unlimited.

Note: If your account is on Tier 3 (T3), you can set your daily transfer limit (the maximum amount you can send from your account daily). Please, follow this guide to set your daily transfer limit now.

If you have a BVN and a valid ID, please upgrade your account now.

This guide will help you with your upgrade.