Free

Details

  • Released
  • Updated
  • May 6, 2020
  • July 5, 2026

Features

XCel App. screenshot #1 for iPhone
XCel App. screenshot #2 for iPhone
XCel App. screenshot #3 for iPhone
XCel App. screenshot #4 for iPhone
XCel App. screenshot #5 for iPhone
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About

Manage your finances with this app. Open an account, send and receive money, pay bills, and buy virtual top-ups instantly. All transactions are secured and come with immediate notifications.

Secure account opening
Send and receive transfers
Pay bills
Buy virtual top-up
Instant transaction notifications
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What's New in XCel App.

3.0.109

July 5, 2026

General app performance improvements.

User reviews

Fraudulent

5000ghc was withdrawn from my account without my notice . I was told my account was restricted and my the time I sent my ID for them to work on it . The money in my account was withdrawn without my notice and they couldn’t even do anything about it .

Bad customer service

They got bad customer care service, no number to call…just emails and they don’t respond fast, try other banks before tying this please

Great

Incredible app, the owners oldest son is also so handsome and incredible, the app is great for banking, much better than those other apps you see on adverts

Bad customer service

Opened your account, ordered a card…been using your banking perfectly for just 2days, you later changed my transfer limit to £100 and I used it well….i used my card so well, now it says my account is locked…why??

Scam!!!

They just suspended my account without any explanation. Now 10 months ago. I still have 67£ on this crap account, I think I can forget. After to my hundreds of emails finally they answered, asked me additional verifications again, what I kindly sent immediately, but nothing happened after. I still can login and see my money but I can do nothing more. The Financial Ombudsman said there is nothing to do with them. Nice 👌👍
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Developer apps

FAQ

How secure is XCel App?

XCel App is designed with security in mind, allowing you to open an account securely in minutes. The app provides instant notifications for all your transactions, helping you monitor your account activity.

What types of transactions can I perform with XCel App?

With XCel App, you can send and receive transfers, pay bills for yourself and others, and buy virtual top-up (VTU) directly from the app.

Is XCel App free to use?

Yes, XCel App is available for free. There are no charges mentioned for using its core financial transaction features.

What devices does XCel App support?

XCel App is currently supported on iPhones. Information regarding Android or other device compatibility is not provided.

How often is XCel App updated?

The latest version of XCel App is 3.0.96, and it was last updated on March 12, 2026. This indicates a commitment to regular updates and maintenance.

What is the user rating for XCel App?

XCel App has a rating of 3.8 stars based on 6 user ratings. This suggests a generally positive but mixed user reception.

Does XCel App have ads?

No, XCel App does not contain advertisements. The app is free to use without any ad interruptions.

What is the age rating for XCel App?

XCel App has an age rating of 4+. This means it is suitable for users aged 4 and above.