Kuda vs Auritrack
Kuda vs Auritrack: A Bank or a Money Tracker?
Kuda is a real digital bank: a free naira account with a card, savings and automatic spending categories on the money that moves through it. Auritrack is not a bank. It tracks and budgets across every account you have, Kuda included, with AI reading your statements. Most Nigerians using Kuda can use Auritrack alongside it.
- Pricing verified:
- Jul 2026
Kuda vs Auritrack: feature comparison
Feature comparison of Kuda and Auritrack
| Feature | Auritrack | Kuda |
|---|---|---|
| AI chat expense tracking | Yes | No |
| AI bookkeeping & categorization | Yes | Auto-categorizes your Kuda transactions |
| Automatic bank sync | On the roadmap; statement import today | NoTracks your Kuda account only, not external banks |
| Bank-statement import (PDF/CSV/Excel) | YesPDF, CSV or Excel, read by AI | No |
| Budgeting | Yes | YesBasic budgets and spending insights |
| Savings goals | Yes | YesSavings targets and Spend+Save |
| Invoicing | Small-business records and reports | No |
| Receipt scanning | Yes | No |
| All currencies with live conversion | YesLive exchange rates | NoNaira-focused |
| Data export (PDF/CSV) | YesPDF and CSV anytime | Account statements |
| Telegram tracking | Yes@auritrack_bot | No |
| Investment tracking | No | No |
| Shared / household accounts | Yes | No |
| Sells your data to advertisers | No | No |
| Price | Free tier + AI from $3/mo | Free account |
Which one is right for you?
Choose Kuda if…
- You want an actual licensed bank account and card
- Free transfers and low fees are what you are after
- You want to earn interest on savings and use Spend+Save
- Tracking only your Kuda spending is enough for you
Choose Auritrack if…
- You want one budget across every account, not just your Kuda card
- You want AI bookkeeping and statement import, which Kuda does not have
- You want proper budgets and goals in naira, not basic insights
- You would rather chat your spending than log into a bank app
Set up all-account budgeting in Auritrack
Copy this prompt, create a free account, and paste it into the Auritrack AI chat. It sets up a naira budget that covers every account, not just Kuda.
- 1
Copy the prompt
Grab the ready-made setup prompt below.
- 2
Create a free account
Sign up on the web app or mobile.
- 3
Paste into AI chat
Auritrack sets up your budget from it.
The verdict
Pick Kuda if you need the bank itself: a free naira account, a card, transfers and savings. Pick Auritrack if you want to see and budget all your money in one place, since Kuda only shows what runs through Kuda. The natural setup is to bank with Kuda and let Auritrack’s AI track and budget the full picture.
Where Kuda still wins
- being a real licensed bank account with a card
- free transfers and low fees
- earning interest on savings
Frequently Asked Questions
Looking to move off Kuda specifically? Read the Kuda alternative guide, which covers migration and what to expect after switching.
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Compare and switch
Ready to try Auritrack instead of Kuda?
Auritrack does the bookkeeping for you — chat your spending or import a statement, in any currency. Start on the free tier and add the AI features when you want them.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.