# XCel App.

> A mobile financial solution for everyday transactions and account management. (iPhone/iPad app by XCel INC.)

- Source: https://appshunter.io/ios/app/xcel-app/id1506145493 (this page in markdown: same URL + `.md`)
- Developer: [XCel INC](https://appshunter.io/developer/1506145492)
- Category: Finance, Productivity
- Price: Free
- Rating: 3.40/5 from 7 App Store ratings · 17 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.6 · 135 MB
- Languages: American English
- Released: 2020-05-06
- Data updated: 2026-08-21
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/xcel-app/id1506145493/reviews.md

## What is XCel App.?

Xcel is the financial solution designed for your everyday needs. Open an account securely in minutes and start transacting!
With Xcel, get instant notifications on all your transactions when you:
•	Send and receive transfers using our app. 
•	Pay bills for yourself and your loved ones and 
•	Buy virtual top-up (VTU), 
All these are made possible at the tap of a button!

## Key features

- Secure account opening
- Send and receive transfers
- Pay bills
- Buy virtual top-up
- Instant transaction notifications

## Recent user reviews (10 of 17)

All indexed reviews: https://appshunter.io/ios/app/xcel-app/id1506145493/reviews.md

### 1/5 — Fraudulent

*2026-05-08*

5000ghc was withdrawn from my account without my notice .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 The money in my account was withdrawn without my notice and they couldn’t even do anything about it .

### 1/5 — Bad customer service

*2025-09-20*

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

### 5/5 — Great

*2025-03-28, version 3.0.52*

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

### 1/5 — Bad customer service

*2025-02-11, version 3.0.46*

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??

### 1/5 — Scam!!!

*2023-05-01, version 2.4.4*

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 👌👍

### 1/5 — Doesn’t work

*2022-12-08, version 2.4.4*

Cant upload id no good

### 1/5 — cant log in

*2022-08-25, version 2.4.4*

i cant login on iphone way ?

### 1/5 — DO NOT DOWNLOAD

*2022-04-15, version 2.4.4*

WORST APP THEY WILL TAKE YOUR MONEY

### 1/5 — Joined as I thought it seems a great platform.

*2021-11-22, version 2.4.3*

Was required to sent ID and a photo, to open, which is standard. Received first payment, no issues. Second, didn’t spend and third was left. I transferred £100 and it worked, went to send another £50. I was told my limit was exceeded. I emailed customer service, who asked for a passport copy (again), a bank statement, a utility bill and a driving licence? To send £100? Anyway, before I got the chance my account is suspended. I don’t know what’s going on and seriously need assistance.

### 3/5 — m

*2021-08-20, version 2.3.8*

please update as it crashes

## Frequently asked questions about XCel App.

### 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.

## Version history (last 5 releases)

### 3.0.110 — 2026-08-18

Cards Re-design and General Improvements.

### 3.0.109 — 2026-07-05

General app performance improvements.

### 3.0.99 — 2026-05-19

Bug Fixes .
General Improvement.

### 3.0.96 — 2026-03-12

Bug Fixes and Improvements.

### 3.0.95 — 2026-03-04

Bug fixes and Improvements.

## Apps similar to XCel App.

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [First Atlantic Ghana Mobile](https://appshunter.io/ios/app/first-atlantic-ghana-mobile/id1499492028) | 1.0 (1) | Free | Finance |
| [Nexdi - Send Money Globally](https://appshunter.io/ios/app/nexdi-send-money-globally/id1638916159) | — | Free | Finance |
| [DT&T](https://appshunter.io/ios/app/dt-and-t/id1176604821) | 4.0 (1) | Free | Finance |
| [SC Mobile Ghana](https://appshunter.io/ios/app/sc-mobile-ghana/id695428512) | 3.8 (149) | Free | Finance |
| [Ampere Mobile Business Account](https://appshunter.io/ios/app/ampere-mobile-business-account/id1641508835) | 4.8 (57) | Free | Finance |
| [Finsei: Smart Banking & Cards](https://appshunter.io/ios/app/finsei-smart-banking-and-cards/id1633299737) | 4.8 (5) | Free | Finance |

## More apps by XCel INC

- [Campost XCel.](https://appshunter.io/ios/app/campost-xcel/id1523714844)
- [XCel Business](https://appshunter.io/ios/app/xcel-business/id1574115302)

All apps by XCel INC: https://appshunter.io/developer/1506145492

## Related topics

[xcel ghana](https://appshunter.io/ios/topics/xcel-ghana)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-21.*