Kuda ATM card has become a force to reckon with in Nigeria’s financial system, as a payment card that offers various advantages that are scarcely related to other banks’ cards. This article is designed to give you a direct yet simple procedure to get your ATM card within 1 to 14 days of application. No delays. Just follow the steps judiciously.
Kuda Bank ATM Card
Kuda Bank is one of the countless internet firms that have distorted the process flow in the nation’s financial atmosphere, with the introduction of tech companies that have decentralized most services given by Deposit Money Banks.
Given this, Kuda devised a naira debit card that allows its users to complete payments, transfer cash, etc., both online and offline.
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Features of Kuda debit card
- You may complete payments online and offline with a Kuda card
- There’s no maintenance price
- Cash withdrawals from ATMs are free
Requirements to obtain a Kuda card
To request a card from Kuda you need to be a Kuda client with a current Kuda bank account, as well as have funded your account with at least N1,000.
If you do not have a Kuda account, kindly head over to the Google or Apple store to download and install the Kuda app, and join up for an account.
How to get a Kuda ATM Card fast in Nigeria
To apply for and get a Kuda ATM card you should have an existing Kuda account with at least a N1,000 operative balance.
- Step one: Sign in to your Kuda bank account using the mobile app or their website
- Step two: Tap on “Card” at the very end of your dashboard
- Step three: Select “Request a card.”
- Step four: Select either a virtual or physical card, in this situation, you will need to select an actual card.
- Step five: Fill up your delivery address where you want Kuda to mail your card, or you may pick it up free of charge at a Kuda pick-up site near you.
- You should expect your card to arrive roughly two weeks following your application.
How to Activate a Kuda Debit Card
Having obtained your card, the next thing you may have to do is activate the card and start using it for your purchases
Kindly follow the below procedures to activate your card;
- Open your Kuda Bank app
- Log in with your username and password
- Tap on cards
- Select “Activate card,” enter the number of your card in the column necessary, and click on the “Next” button.
- Your card will be activated and you may start using it to conclude your transactions.
How Long It Takes to Receive a Kuda ATM Card
Having finished your card application and gotten an application successful notification, your card should arrive/be ready within the following 14 days after such application unless your destination is not correctly specified or it doesn’t exist on Nigeria’s map. Ensure to put an easily accessible location.
How to use a Kuda Card for Online Payments
Your virtual card is for making naira payments anywhere naira Visa cards are accepted online
Kuda Bank Virtual Dollar Card
Kindly realize that Kuda Bank offers two sorts of cards; virtual and physical cards. However, these two are payment cards but have a little variance in their operation.
The Kuda virtual card is used for online payment and can be accessed through your Kuda account while the actual card is used for offline payments exclusively.
Kuda Card Limit
For a single POS payment completed with your card, there’s an N500k limit, as well as a maximum of N30k at once. Kuda neither charges a fee for using its cards nor a maintenance fee for the card like typical banks in Nigeria.
How to block a Kuda ATM card
In case you suspect unwanted access to your account, you can block your account following the below procedure;
- Open your Kuda app
- Please tap on the card located at the bottom of your dashboard slide.
- Tap and toggle the “Block card.”
- Your card/account is been banned.
Kuda ATM card International Spending Limit
- Single deposit: You can transfer a maximum of 1 million naira at once. There’s a 1,000,000 naira restriction on a single deposit from your Kuda account.
- Single POS terminal: You can spend a maximum of 2,000,000 naira at once using a POS terminal. There’s a 2,000,000 naira restriction on a single POS payment you make with your Kuda Card.
- Single withdrawal: You can withdraw a maximum of 20,000 naira at once from an ATM. There’s a 20,000 naira restriction on a single withdrawal you make from an ATM with your Kuda Card.
Frequently Asked Questions on Kuda ATM card
Is it possible to use the Kuda Virtual Card for international transactions?
Unfortunately, the Kuda virtual card is only applicable for domestic transactions within Nigeria and cannot be used for foreign payments. Kuda Bank offers a virtual card called the Kuda Bank Virtual Dollar Card, which is particularly built for overseas transactions.
Kuda virtual cards are primarily meant for usage within Nigeria and are not suited for overseas transactions.
This implies that you may use them to make payments and purchases within the country, but you may experience constraints when trying to use them for purchases from overseas merchants or for transactions in foreign currencies.
What Is Kuda Bank Virtual Dollar Card?
The Kuda Bank virtual dollar card is essentially a specific digital instrument supplied to you by Kuda Bank. It enables you to pay for products on the Internet using American dollars (USD), and you may use it if you have an account with Kuda Bank.
What distinguishes a physical card from a virtual card?
There are a few crucial distinctions to be aware of if you’re comparing physical cards vs virtual cards. The main difference is in their design. A standard credit card has your account information, CVV code, and expiration date prominently displayed on its front and back. A virtual credit card exists exclusively in digital representation, without a physical existence. This makes it more secure in certain aspects since it can’t be taken from your wallet. Another difference is that with a virtual credit card, your financial data isn’t given to the business. This implies it’s a more secure method of payment since there’s no data to hack or steal in a data breach.
