Start in 4 Simple Steps
Getting started with KukaPay takes less than 5 minutes. No paperwork, no branch visits, just your phone.
Download
Get the app in seconds
Sign Up
Verify your student ID
Fund
Add money instantly
Transact
Send, receive, pay
Available Balance
₦125,000.00
Recent
Payment
Today
Payment
Today
Payment
Today
Your Journey to Financial Freedom
Each step is designed to be quick, secure, and completely hassle-free
Download KukaPay
Visit app.kukapay.com.ng on your phone browser. Tap 'Add to Home Screen' to install the PWA. No app store needed - it's instant!
Verify with NIN, ID & Face
Sign up with your student email, enter your NIN, snap your government ID, and do a quick face scan. No BVN needed.
Fund Your Wallet
Add money via bank transfer, card, or USSD. Your dedicated account number means instant deposits.
Start Transacting
Send money to friends, pay merchants, buy airtime, split bills - all from one app. Welcome to easier campus life!
Join our UNIOSUN beta at app.kukapay.com.ng
No BVN. Just NIN, ID & a selfie.
KukaPay verifies you with your NIN, government-issued ID, and face match — never your BVN. Your transaction limit grows as you verify.
Tier 1
NIN only
- Send to any KukaPay user
- Pay merchants & buy airtime
- Split bills with squad
Tier 2
NIN + Gov ID
- Everything in Tier 1
- Bank transfers out
- Higher merchant limits
Tier 3
NIN + ID + Face
- Everything in Tier 2
- International airtime
- Priority support
Limits subject to CBN regulatory caps · Max ₦1,000,000 daily
Frequently Asked Questions
Everything you need to know about KukaPay
Still have questions?
Contact our support team