Kuda Bank
VS
OPay

Metric

Kuda Bank

OPay

Transfer Fee

25 Free/Month

Free (First 3/day)

EMT Levy (₦50)

Applies over ₦10k

Uptime

98.5%

99.9%

Card Delivery

Direct to Home

Up to 15% p.a

Kuda is best for small personal transfers and digital natives who hate paperwork.

Local Insight

"Don't let the shiny app fool you, check the USSD uptime."

OPay is the undisputed king of street payments. Reliable even when network is bad.

Local Insight

"Better rates, but harder to find a physical branch when you need paper."

Avoid the
NRS Penalty.

Planning a major project or choosing a bank? Every naira you spend is affected by updated 2026 Tax Reforms. The ₦50 EMT Levy is watching.