Home Finance How to Become Kuda Bank Aggregator and Kuda Bank Agent

How to Become Kuda Bank Aggregator and Kuda Bank Agent

Kuda Bank is a leading digital bank in Nigeria that offers innovative banking solutions to its customers. One of the ways it reaches its customers is through its Aggregator and Agent programs, which allow individuals and businesses to become partners with the bank and offer its services to their own networks. 

Becoming a Kuda Bank Aggregator or Agent can be a lucrative opportunity for entrepreneurs looking to start a new business or add additional revenue streams to their existing business. In this guide, we will explore the steps required to become a Kuda Bank Aggregator or Agent, the benefits of joining the network, and the roles and responsibilities of these positions. 

So whether you’re looking to start your own business or expand your existing one, read on to learn more about becoming a Kuda Bank Aggregator or Agent.

About Kuda

Kuda is a Nigerian digital bank that was founded in 2019. It is an online-only bank that operates entirely through its mobile app, which is available for both Android and iOS devices. Kuda offers a range of financial services, including free online transfers, bill payments, savings accounts, and loans. 

The bank also has a unique feature that allows users to save money automatically when they make certain transactions. Kuda is focused on providing its customers with a simple, convenient, and transparent banking experience, with no hidden fees or charges. It has quickly gained popularity in Nigeria and is regarded as one of the leading digital banks in the country.

Role Of Kuda Bank Aggregator 

A Kuda Bank aggregator is an intermediary between the bank and potential customers. The role of a Kuda Bank aggregator is to promote Kuda Bank’s products and services to potential customers and help them to open a Kuda Bank account. 

Kuda Bank aggregator acts as a bridge between Kuda Bank and customers, making it easier for customers to access the bank’s services and products. In addition to promoting Kuda Bank’s services, a Kuda Bank aggregator also provides customers with assistance in completing the account opening process and resolving any issues they may have with their accounts. They earn a commission on each successful account opening they facilitate for Kuda Bank.

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How To Become Kuda Bank Aggregator 

There are two ways to become a Kuda Bank Aggregator.

The first way is to apply online. To do this, you will need to visit the Kuda Bank website and click on the “Become an Aggregator” button. You will then be asked to fill out an online application form. Once you have submitted your application, a Kuda Bank representative will contact you to schedule an interview.

The second way is to apply in person at a Kuda Bank branch. To do this, you will need to visit your nearest Kuda Bank branch and speak to a customer service representative. The customer service representative will be able to help you with the application process.

Here are the requirements for becoming a Kuda Bank Aggregator:

  • You must be a Nigerian citizen.
  • You must have a valid ID card (e.g., a national ID card, driver’s license, or international passport).
  • You must have a smartphone with a data plan.
  • You must have a physical location with a steady internet connection.
  • You must be able to pass a background check.

Once you have met all of the requirements, you can apply to become a Kuda Bank Aggregator. If your application is approved, you will be able to start accepting Kuda Bank payments immediately. You will earn a commission on every transaction that you process.

Role Of Kuda Bank Agent

Here are some of the roles of a Kuda Bank Agent:

  1. Account opening: Kuda Bank Agents are responsible for helping customers open bank accounts, which includes providing information about account types, and required documentation, and assisting in the account opening process.
  2. Cash deposit and withdrawal: Kuda Bank Agents facilitate cash deposits and withdrawals on behalf of Kuda Bank customers, allowing them to access their funds without visiting a physical bank.
  3. Fund transfer: Kuda Bank Agents assist customers in transferring funds between Kuda Bank accounts or to other banks.
  4. Bill payments: Kuda Bank Agents are authorized to accept payments for bills such as utility bills, cable TV subscriptions, and airtime purchases, among others.
  5. Customer support: Kuda Bank Agents provide assistance to customers with various issues, including account issues, transaction disputes, and general banking inquiries.
  6. Marketing: Kuda Bank Agents may also be responsible for promoting Kuda Bank services and products in their communities and recruiting new customers to open accounts with Kuda Bank.
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How To Beccome Kuda Bank Agent 

To become a Kuda Bank agent, follow the steps below:

  1. Visit Kuda Bank’s official website (www.kudabank.com) and click on the “Become an Agent” button on the homepage.
  2. Fill out the agent application form on the page with your personal and business information.
  3. Upload the required documents such as a valid ID card, passport photograph, proof of business ownership, and other relevant documents.
  4. Submit the application form and wait for the Kuda Bank team to review your application.
  5. If your application is approved, you will be contacted by Kuda Bank and provided with training and equipment to get started as an agent.

It is important to note that Kuda Bank has certain requirements for agents, such as having a physical store, a minimum capital requirement, and other criteria that vary depending on the type of agent. Ensure that you meet these requirements before applying to become a Kuda Bank agent.


How do you become a Kuda aggregator?

To become a Kuda aggregator, you need to fill out an application on the Kuda Bank website and meet the necessary requirements, including having a business account with a minimum balance of N50,000 and a valid means of identification.

Did Kuda Bank have POS?

Yes, Kuda Bank has a point of sale (POS) system that enables businesses to accept card payments and provides a seamless payment experience for customers.

What’s another name for Kuda Bank?

Kuda Bank is also referred to as Kuda Microfinance Bank Limited.

How does Kuda Business Work?

Kuda Bank is a digital-only bank that operates entirely online and through its mobile app. It offers various banking services, including savings and current accounts, loans, and bill payments, among others, through its app.

How Much is The Highest Money Kuda Can Receive?

As of now, Kuda Bank does not disclose the maximum amount of money that can be received. However, the daily transaction limit for Kuda users is N200,000, while the maximum account balance is N300,000.


In conclusion, becoming a Kuda Bank aggregator or agent can provide a lucrative opportunity for those looking to start a business or earn additional income. As a Kuda Bank aggregator, you can earn commissions for bringing customers to the bank, while a Kuda Bank agent can earn commissions for providing banking services to customers. 

To become a Kuda Bank aggregator or agent, you need to meet the requirements, such as having a registered business and a physical location, as well as completing the necessary application process. By following the steps outlined in this guide, you can start your journey towards becoming a Kuda Bank aggregator or agent and building a successful business.