Scam And Fraud Awareness

Awareness helps you protect your identity and your money. Stay safe online by learning how to spot scams and how to respond if you think your Kucredit account has been compromised.

Fraud Awareness

Personal Information You Must Never Share

  • Your Kucredit password, passcode, or transaction PIN.
  • Your Kucredit Pay ID or QR code for payment requests.

If anyone contacts you pretending to be from Kucredit and asks for any of this information, report it immediately via the in-app support chat.

How We May Contact You Off Your Kucredit App

Emails

All official emails from Kucredit will always come from addresses ending in @Kucredit.com (e.g., help@kucredit.com, help@kucredit.com, or notifications@kucredit.com). Below are types of messages you may receive via the email address linked to your Kucredit profile:

  1. Transaction Alerts
    You’ll get notifications for debit and credit transactions, savings activities, QR code usage, utility token purchases, and investment updates.
  2. Announcements
    We’ll keep you informed about app updates, new features, service enhancements, and occasional promotions.
  3. Device Change
    For your security, we notify you whenever your Kucredit account is accessed on a new device.
  4. Password Changes
    If you request a password reset through the app or website, we’ll confirm the change via email.
  5. Account Statements
    When you request a monthly or custom statement, we’ll send it to your email in PDF or spreadsheet format.

⚠️ Reminder: Kucredit will never ask for your PIN, password, or security codes via email.

Phone Calls

We may call you to follow up on a complaint or transaction issue, to provide vital info about your Kucredit account, or to conduct a brief customer survey.

If you ever receive a call from us, we’ll clearly identify ourselves and our reason for calling. We will NEVER ask for sensitive info like your password, passcode, transaction PIN, card CVV (3-digit code), or your Pay ID over the phone.

Social Media

We may contact you via social media to respond to queries or follow up on complaints. Here are our official Kucredit social handles:

  • @Kucreditofficial and @Kucreditsupport
  • @Kucreditofficial
  • facebook.com/Kucreditapp
  • @Kucreditofficial

🚨 Watch out for impersonators. Always verify that you're interacting with our official accounts.

WhatsApp Messages

Kucredit may send automated reminders—such as overdraft repayment notices—via WhatsApp. However, we never use WhatsApp for customer service chats.

If you receive a message claiming to be from Kucredit support on WhatsApp, treat it as suspicious and contact us directly via verified channels.

Common payment scams

  • • A text or WhatsApp message, tweet, or email warning that your account will be closed unless you click or tap a link to update account information.
  • • A message asking you to pay for a fake Kucredit Overdraft.
  • • A message or call asking for sensitive info like your password, passcode, card PIN, CVV, or Pay ID.
  • • A merchant or vendor you’ve never dealt with asking for payment before sending your order.
Scam Alert Illustration

How to spot a scam email

Generally, any text message, email, or phone call about your Kucredit account that you cannot confirm is from us is potentially dangerous and must be ignored.

If in doubt, please call 0700 022 55832 or email help@Kucredit.com or help@Kucredit.com before taking any action.

Scam Warning Icon

How to identify a scam

  1. Spelling errors in a text or WhatsApp message or email claiming to be from your bank.
  2. A strange link in a text or email, e.g., nameofbank.agent.direct-link.com.
  3. Sender ID is a random number, not the name of your bank.
  4. Messages urging you to make a payment or investment quickly.

What to do if you suspect that you’ve been scammed

If you’re not sure about any transaction on your account or you suspect you have been scammed, please call fraud@Kucredit.com or help@Kucredit.com immediately.

Don’t post scam details on social media — we won’t be able to respond there for your security. Instead, reach out directly via phone, email, or the Kucredit app.

If you report a suspicious transaction, we may temporarily restrict your account to protect your funds during our investigation.

Kucredit FAQs

Yes—there’s no fee to open a standard Kucredit account.

Yes—you can transfer funds to external bank accounts. Here’s how:

Go to Transfers: Log in and navigate to Transfers > Transfer To Other Banks.

a. Add a Beneficiary: Enter the recipient’s bank name, account number, and routing number (or SWIFT/BIC for international transfers).

b. Enter Amount: Specify how much you’d like to send.

c. Review & Confirm: Check the details, note any fees (see our Fee Schedule), then click Confirm Transfer.

d. You’ll receive an email notification once the transfer is initiated and another when it’s completed.

Security is a top priority at Kucredit. We protect your funds and personal information with state-of-the-art security measures, including the latest encryption and compliance protocols. Additionally, your digital assets are secured on Fireblocks, and we enable Multi-Factor Authentication (MFA) for every user upon signup to further enhance security.

Kucredit is a safe and reliable way to pay — your financial details are always kept private and never shared with sellers or third parties. This means you can make payments confidently, even to people or businesses you don’t know.

Plus, we’ve got you covered. If an eligible purchase doesn’t arrive or isn’t as described, Kucredit’s Buyer Protection program ensures you get a full refund, including shipping costs.

Using Kucredit is fast, simple, and secure.
It’s Fast!

Make payments in just a few clicks. Simply enter your email and password, and your transaction is complete—no delays, no hassle.

It’s Simple!

Forget reaching for your wallet or typing your card details every time you shop. With Kucredit, you can pay online quickly and easily using just your email and password. We make every checkout effortless.

Your financial information stays protected. Kucredit Bank uses advanced encryption and security systems to keep your payments safe and your data private.

You can use Kucredit at millions of merchants and service providers around the world. Whether you’re shopping online, subscribing to digital services, or supporting global causes, Kucredit makes it easy to pay securely and instantly Plus, you can send money internationally to almost anyone, anywhere simply using their Kucredit account number or tag name . With Kucredit, sending payments abroad is fast, reliable, and effortless.

Every transfer is different. We always move your money as quickly as we can

The transfer is being processed

Sometimes we need a little more time to convert the money. A transfer can take up to 2 working days to be converted.

Your transfer may also be delayed if we need to do extra security checks. These checks are a requirement for us as a regulated financial institution. We'll email you if we need any more information from you.

With Kucredit, you can see your account number or tag name on your home screen that you can share with others to receive payments. Once you get account number or tag name, you can share them with the person or business that wants to pay you and they can send you money directly from their Kucredit balance.

When getting paid to your Kucredit account, you can receive money for free. We don't charge for fees( Zero fees) and you can receive almost $100,000 amount In your kucredit wallet. You can upgrade your account for higher amount.

The fees for withdrawing money vary depending on how you want to withdraw. Withdrawal to your personal Bank account we charge a 0.4% Fixed fee per payment. Withdrawal to your personal PayPal account we charge a 0.3% Fixed fee per payment.

You can get an account in over 50 different currencies including USD, EUR, GBP, HKD, BRL, CNY, AUD, SGD,PLN

No collateral is required. Our loans are based on your creditworthiness and account behavior.

You can reach us through the support section in your Kucredit app or via our website chat.

Once a loan has been disbursed, it cannot be cancelled. However, you can repay it early to close it.