Your Kuda Business account limits depend on your account type, tier, and verification status.
There are two Kuda Business account types:
Freelancer Account
Full Business Account
Both account types have tiers. Your tier determines how much you can keep in your account, receive, transfer, and spend on airtime or bills.
Freelancer Account Limits
Limit | Tier 1 | Tier 2 | Tier 3 |
Maximum account balance | NGN 300,000 | NGN 500,000 | Unlimited |
Maximum amount you can receive at a time | NGN 50,000 | NGN 100,000 | Unlimited |
Maximum amount you can send at a time | NGN 50,000 | NGN 100,000 | NGN 1 million |
Maximum amount you can send in a day | NGN 600,000 | NGN 1 million | NGN 2 million |
Maximum airtime you can buy at a time | NGN 10,000 | NGN 20,000 | NGN 50,000 |
Maximum airtime you can buy in a day | NGN 100,000 | NGN 150,000 | NGN 200,000 |
Maximum bill-payment daily limit | NGN 150,000 | NGN 250,000 | NGN 5 million |
For bills, the amount you can pay at once may vary by biller or provider.
Full Business Account Limits
Limit | Tier 1 | Tier 2 | Tier 3 |
Maximum account balance | NGN 300,000 | NGN 500,000 | Unlimited |
Maximum amount you can receive at a time | NGN 50,000 | NGN 100,000 | Unlimited |
Maximum amount you can send at a time | NGN 50,000 | NGN 100,000 | NGN 5 million by default |
Maximum amount you can send in a day | NGN 300,000 | NGN 500,000 | NGN 25 million by default |
Maximum airtime you can buy at a time | NGN 10,000 | NGN 20,000 | NGN 50,000 |
Maximum airtime you can buy in a day | NGN 100,000 | NGN 150,000 | NGN 200,000 |
Maximum bill-payment daily limit | NGN 150,000 | NGN 250,000 | NGN 5 million |
For bills, the amount you can pay at once may vary by biller or provider.
Higher Transfer Limits For Full Business Accounts
Full Business accounts can request higher transfer limits after completing the required checks.
Limit type | Available limit |
Single transfer limit with indemnity | Up to NGN 10 million |
Daily transfer limit with indemnity | Up to NGN 100 million |
Single transfer limit with Enhanced Due Diligence and compliance approval | Up to NGN 250 million |
Daily transfer limit with Enhanced Due Diligence and compliance approval | Up to NGN 250 million |
Enhanced Due Diligence means we may need to review more information about your business before approving a higher limit.
How To Check Your Current Limit
You can check your current account limit in the Kuda Business app:
Open the Kuda Business app.
Tap More.
Tap Account Limits.
Your current limit may be lower than the maximum shown here if your account verification is still in progress.
Why Your Limit May Be Lower
Your limit may be lower if:
Your business verification is not complete.
Your address verification is pending.
We need more information about your business.
You have not requested or completed the steps for a higher transfer limit.
If you need a higher limit, open the Kuda Business app and check Account Limits for the next steps available to your account.