Digital Bank That Gives Instant Loans.

Kwikudi offers a wide range of loan and savings products that will satisfies your need.

Loans range from ₦2,500 to ₦300,000 with flexible loan repayment term.

Satisfied global clients

Kwikudi is on a mission with far-reaching impact

We’re passionate about leveraging technology to make financial inclusion count


Quick Loans

We understand the urgency with financial needs, we process loan disbursement as fast as possble.


Flexible Repayment

We offer our customers the chance to payback their loans in installments either via online or offline channels


Low Interest Rates

We offer very low Loan interest rates as low as 8%, enjoy interest free access to selected loan types.


Privacy & security

Transactions and customer data are encrypted end to end to protect customers from theft.

Fueling a world of opportunity

At Kwikudi we’re building a new frontier of finance — where banks aren’t physical, paperwork is obsolete, and possibility is the end game.

We Drive Impact

Built on a foundation of personal service, local connections, trusting relationships, and a commitment to the communities we serve.

Simple & effortless process app setup

You can easily download the app on your mobile & open a bank account in your name with the required information.

Download from the Play Store on any device

You can easily download the xmoze app from the App Store or Google Play on any device

Create an account with needful information

Open a secure account for yourself with your name and necessary information that need

Experience best banking services anytime

Mobile banking allows consumers to be able to access banking services from anywhere.

If you want to know anything, ask us

How can I get a loan?

You need Android / Iphone and a BVN. That's all! Download the Kwikudi app from the Google Play Store or Apple Store. Sign up with the phone number linked to your BVN, answer a few questions and confirm your identity to receive a loan offer. If you accept it, you will receive your loan in your preferred bank account!!

How much can I borrow and for how long?

Kwikudi offers loans from loans of up to 1 million Nairas for a period of up to 18 months. The better your lending history and positive behavior, the more you can access and the longer the period!!

How can I repay?

Click on the "Settle Loan" button in the app dashboard to pay via card or bank transfer!

What happens if I don't pay back?

We are humans and understand that unexpected and unforeseen situations may occur. However, we do not reschedule payment dates, you should take a loan only if you have the capacity to repay it to avoid: - Late fees - Suspension of your Kwikudi account - Report to national credit bureaus as required by law (CRC, First Central)!

Can I trust Kwikudi with my identity and bank account details?

Kwikudi will never sell the information you shared to third parties.!

What happens if I lose my phone?

Send an email to to get the details of your loan and your repayment date. You can also sign in from another phone using your phone number and pin!

Download & explore our App

Easily download and use the most efficient online banking app. Make banking easier and faster.