There are three account levels at Kuda and each level has its own rules and limits.

Tier 0 (T0)

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. How much can your account receive at a time?

50,000 naira.

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

10,000 naira.

4. Can you send money to other banks?

No, you can't.

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

10,000 naira.

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

10,000 naira.

7. Can you request a Kuda Card?

No, you can't.

8. What’s your maximum account balance?

300,000 naira.

Tier 1 (T1)

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.

Tier 3 (T3)

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.

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

This guide will help you with your upgrade.

Did this answer your question?