Kuda bank code 50211 — and why there is no Kuda USSD code

Kuda's bank code is 50211. If you're building a payment or transfer flow in Nigeria, 50211 is the NIBSS code that routes money to Kuda accounts. And one thing many listicles get wrong: Kuda has no USSD code — it is an app-first bank by design.

Kuda bank code at a glance

Name:       Kuda Microfinance Bank
Bank code:  50211
USSD:       none (app-only)
Type:       Microfinance bank
Country:    Nigeria (NG)

Why Kuda's code is 5 digits

Traditional Nigerian commercial banks carry 3-digit NIBSS codes (GTBank 058, Zenith 057). Microfinance banks like Kuda were assigned 5-digit codes as the scheme expanded — Kuda's 50211 sits alongside Moniepoint's 50515 in that range, while mobile money operators like OPay and PalmPay use 6-digit 99999x codes.

Looking up Kuda via API

curl https://mansaapi.com/api/v1/identity/banks/50211 \
  -H "Authorization: Bearer YOUR_API_KEY"

import { MansaAPI } from "mansaapi";

const mansa = new MansaAPI({ apiKey: "mansa_live_sk_..." });
const { data: kuda } = await mansa.identity.getBank("50211");
console.log(kuda.name); // "Kuda Microfinance Bank"
console.log(kuda.type); // "microfinance"

Using Kuda in a transfer flow

In a bank selector, Kuda should appear alongside commercial banks and fintechs. Pull the full Nigerian institution list and Kuda is included with its 50211 code:

const { data: banks } = await mansa.identity.getBanks({ country: "NG" });
const kuda = banks.find(b => b.code === "50211");

Related fintech codes

Kuda        50211     — (no USSD)
Moniepoint  50515     *5573#
OPay        999992    *955#
PalmPay     999991    *861#

Look up any of these instantly with the free bank code finder, see every Nigerian shortcode on the Nigerian USSD codes page, or read the full Nigerian bank codes guide.