Do More With Your Money On XCEL
We are more than just an app; it's a revolution. It's time to elevate your financial journey. Dive into the world of XCEL – Where payments meet excellence.
Your Gateway To Excellence
Where Payment Meets Excellence
Elevate Your Payment Experience
Welcome to a world of instant top up whether you're at home or abroad, Easy bills payment and Seamless peer-to-peer transactions any day, any time.
Save, Invest, Give
XCEL introduces revolutionary Saving methods – tailored to meet your financial dreams. Invest with our Innovative Pots feature or join the ESUSU savings circle. Streamline donations and leverage Gift Aid benefits for UK charities through our "Give" feature.
Security and Compliance
The XCEL App offers multi-layered security features, including Dynamic Linking, to protect financial transactions and data. Additionally, XCEL ensures compliance with relevant financial regulations and guidelines.
Getting Started
Open an Account Today
Here, financial empowerment begins with just your mobile number. Say goodbye to lengthy paperwork and cumbersome processes. Gain access to a world of financial possibilities in just a few minutes.. With us, opening your account is as easy as 1-2-3..
Enter Your Mobile Number
Start by entering your mobile number in the provided field. This will serve as your unique identifier, ensuring a seamless and secure experience every time you access your account.
Tell Us About Yourself
Now it's time to tell us a little bit about yourself. Enter your personal information, and tailor your account to suit your preferences.
Secure Your Account
Enter a a 4-digit passcode to secure your account. Rest assured, this step is crucial to safeguarding your account from unauthorized access.
Why XCEL
The XCel Advantage
Shop, Showcase and Sell products on XCEL Marketplace.
Start Saving today with XCEL Pots
Save NowGiving made easy
XCel To The World 
Cross Border Services
XCel To The World
Cross Border Services
Swift Payments
Instant remittances to bank accounts and mobile money; bill payments (electricity, water, cable TV, etc.); airtime and data top-up; school fee payments, and more.
Global Reach
Specially designed to cater to the needs of individuals supporting families or conducting transactions across borders.
Ease of Use
Streamlines the process of international financial transactions, making them more accessible and less time-consuming.
Experience the epitome of luxury and convenience with XCEL Black, the ultimate Mastercard for global transactions. Designed to meet the needs of discerning individuals, XCEL Black combines unparalleled purchasing power with exclusive concierge services, offering a world-class experience like no other.
With XCEL Black, you have the freedom to make purchases anywhere in the world where Mastercard is accepted. Whether you’re dining at a Michelin-starred restaurant, shopping in luxury boutiques, or booking your dream vacation, XCEL Black ensures seamless transactions and exceptional service wherever you go.
Enjoy a host of travel perks and privileges with XCEL Black, including pick up at the Airport Tarmac in some countries, priority boarding, and discounts on luxury hotels and resorts worldwide. Whether you’re traveling for business or pleasure, XCEL Black ensures a seamless and luxurious journey from start to finish.
Elevate your lifestyle with our exclusive concierge services, available 24/7 to assist you with a wide range of requests. From booking reservations at the hottest restaurants and securing tickets to sold-out events to arranging personalized travel itineraries and sourcing unique gifts, our dedicated concierge team is committed to fulfilling your every need and desire.
Earn generous rewards and exclusive benefits with every purchase you make using XCEL Black. From cashback offers and travel vouchers to VIP experiences and access to exclusive events, our rewards program is designed to enhance your lifestyle and provide unparalleled value.
Rest assured knowing that your financial information is protected with advanced security features and round-the-clock fraud monitoring. With XCEL Black, you can shop with confidence, knowing that your transactions are secure and your personal information is safeguarded.
Additional Features
Unique Features
Financial Wellness Package
We offer a unique payday loan service for companies to extend to their staff. Through the app, employees can access loans in real-time, offering immediate financial relief.
Unions
XCEL enables users to form their own cooperative-like Unions.. Members can give and receive loans within their Union, fostering a supportive financial community.
Esusu - Revolving Savings and Credit Association (ROSCA)
We allow communities and like-minded individuals to save and borrow collectively. This fosters a sense of unity and financial discipline among users.