A debit card and app for kids aged 6–18. Built for Nigerian families with Access Bank. Parents stay in control. Kids learn to earn, save, spend, and invest — safely.
Parents stay in control. Kids get independence. The bank gets the next generation of loyal customers.
Physical and virtual. Works at ATMs, shops, online. Parents can freeze it in one tap.
Set spending caps per swipe, day, week or month. Block gambling, alcohol, adult sites by default.
Over-limit purchase? Parents get a push notification. Approve or decline in seconds.
Kids save for a bike, a game, a gift. Visual progress bars that teach delayed gratification.
Gamified financial literacy. Finish a lesson, earn real naira into a locked savings jar.
Kids form rotating savings groups with friends. Teaches trust, community, discipline.
Lives inside Access More — no new app to adopt.
Their own app. Their own Kuddi card. Their own lessons.
No kids' app in the world has this. Every Nigerian parent needs it. A locked savings jar that only parents can withdraw from — and only to a whitelisted school. Earn a 3% interest boost for saving early. School fees, solved.
Designed around how Nigerian families actually live, celebrate, and save.
Friends contribute weekly, one wins the pot each week. Real financial community for kids.
Auto-split incoming money for giving. Configurable by faith, customisable by family.
When Auntie sprays ₦10,000, the app auto-splits it: Spend, Save, Share, Tithe.
Alerts in English, Yoruba, Igbo, Hausa and Pidgin. Safety in every tongue.
Run a pretend puff-puff stand. Learn pricing, profit, and loss with real Naira.
Why a ₦100 Coke is now ₦500. Learn inflation with examples you actually recognise.
Click through the kid app and parent app side-by-side. Watch a real purchase approval flow from Ayodeji's phone to Mum's notification — in seconds.
"I think every kid in Nigeria should have their own card and app — so we can learn about money while we're still young, instead of figuring it out when we're adults."
I'm 11 years old. I came up with Kuddi because I watched friends lose cash, and parents with no idea what their kids bought. I want Access Bank to build this for Nigerian families — and I'd love to help test it first.
The card and app work for kids 6–18. Under-8s have more parental controls; teens unlock investing lessons and eventually dollar cards for travel and study abroad.
From May 2026, CBN requires BVN enrolment from age 18. Kuddi uses the parent's BVN and the child's NIN — fully compliant by design as a guardian-controlled structured product.
Subscription (₦1,000/mo), card interchange fees, deposit float from School Fees Pots, school-partnership revenue share, and 40+ years of customer lifetime value as kids grow up into Access customers.
Access has the pieces no other Nigerian bank has: AccessMore's 5M+ users, AccessAfrica for diaspora remittances, DiamondXtra's reward-draw DNA, and the nation's biggest branch network. First mover wins the whole generation.
Yes — click the live prototype. Kid app on the left, parent app on the right. The "Demo Playbook" buttons act out the magic moments.