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Simple, fast, clever

Nothing like your traditional bank account.

Welcome to the neo age.

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Xhuma App Home Screen

Open an account
And start transacting in less than 5 minutes

Never visit a branch again. Do it all from your mobile device.

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Send & Receive money instantly with PeerPay

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

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Xhuma Group Tabs
Xhuma Purple Debit Card

Run an expense tab with custom split %'s using 
Group Expense Tabs

Add bills and settle with each other in a single tap.

Stores your loyalty accounts digitally 

Centrally manage all the latest and greatest loyalty cards and offers together with the safety and security of your transactional account.


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W Rewards Card
PNP Smart Shopper Card
Checkers xtra savings card
TFG Card
Clicks Clubcard
LoyaltyHub™ by Xhuma
Xhuma SpendSense™
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allows you to set and stick to a budget

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

GroupPay™ by Xhuma™
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allows you to split bills with friends and family.

It's as simple as a couple of taps. 

Run your stokvel digitally
Group Vaults

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

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Group Vault™ by Xhuma
TravelGenius™ by Xhuma

helps you plan your perfect trip

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

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sets up recurring payments and custom accounts for every need

Savings Vault™

Automate how you send money
home each month


To your everyday problems.

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

Task List Vault™

Teach your kids
budgeting & money skills from a young age

SpendSense™ Graph

Join Xhuma
in less than 5 minutes

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Black coin
Black wallet
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Black money
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