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Simple, fast, clever

Nothing like your traditional bank account.

Welcome to the neo age.

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Transactional Banking that doesn't discriminate
With us ALL clients are purple level

We don't give you a different colour card and functionality based on your monthly income. 

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Send & Receive money Instantly 

You can even get cheeky and attach GIF's and messages to your transfers

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Add all your loyalty accounts in one place
The account that optimises your rewards

Centrally manage all the latest and greatest loyalty offers together with your transactional account.


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Never overspend again
The account that teaches you how to budget.

Most institutions want you to spend more. We want you to spend responsibly to help you build wealth. 

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Split bills
with friends and family.

however you like. It's as simple as a a couple of taps. 

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Run your stokvel digitally
in only a couple of taps

Manage contributions, savings, withdrawals, payments and all the other admin without any of the burdensome costs

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AI Travel Assistant
We're constantly thinking out of the box to help you plan the perfect trip

Book flights, accommodation, tours, airport shuttles and more by just having a chat with the Xhuma AI travel assistant. It's never been this easy to plan your perfect trip

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Automate your savings
with recurring payments and custom accounts for every need

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Automate how you send money
home each month

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To your everyday problems.

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Create task/chore lists
And pay with FaceID when you're happy that they're done

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Teach your kids
budgeting & money skills from a young age

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For your Xhuma card.

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