Student-Friendly Pricing
Zero Fees for Students
Send money to classmates for free. Pay merchants at the lowest rates. No hidden charges, ever.
₦0
P2P Transfer Fee
₦10
Merchant Payment
0%
Airtime Fee
Transparent pricing with no hidden fees. Most transactions are completely free.
Most Popular
Student
Perfect for everyday campus transactions
Freeforever
- Send money to KukaPay users - Free
- Receive money - Free
- Virtual account number - Free
- Deposit via bank transfer - Free
- Buy airtime/data - No markup
- Pay merchants - Free (buyer)
- Ajo savings groups - Free
- Withdraw to bank - 1% (max ₦500)
Event Tickets
Buy tickets for campus events
₦50-₦100booking fee
- Buy tickets for parties
- Campus shows & concerts
- Digital check-in at gate
- Transfer tickets to friends
- View upcoming events
- Early bird notifications
Merchant
For campus businesses and vendors
2.5%per transaction
- Receive payments - 2.5% fee
- QR code payments
- Business dashboard
- Daily settlements
- Transaction history
- Dedicated support
Interactive Calculator
See Your Savings
Drag the slider to see what banks really charge — line by line — and what KukaPay charges instead.
Transaction amount
₦10,000
₦100₦100,000
K
KukaPay₦0
Total fee — processor pass-through only
No card maintenance · No SMS fee · No monthly charge
Your bank
₦112
Total true cost (broken down below)
Bank breakdownPer txn
- NIP transfer fee≥₦10k₦50
- EMTL stamp duty≥₦10k₦50
- Card maintenance₦50/mo amortized₦4.17
- SMS alertper txn₦4.00
- Account maintenancemonthly amortized₦3.33
- Bank total₦112
KukaPay doesn't charge any of these. Your fee is the processor pass-through only.
You save with KukaPay
₦0
Pricing Questions
Everything you need to know about our pricing
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