Welcome to Xhuma, a fully digital banking alternative. We give you the financial freedom to live, work, study but most importantly thrive wherever life takes you.

From transfers, QR payments, bill splitting, group expenses, budgeting, stokvels and everything in between - we’ll allow you to get more from your money.

Get creative with instant payments
Instantly pay/request payments to/from your friends in the Xhuma family with a tap. You can even get cheeky and add an emoji or GIF with your money.

Split bills and group expenses
Why struggle to keep tabs of group expenses, simply split them with your friends in a couple taps.

Maximise your money
Trying to put away money for each holiday? What about a birthday gift for a loved one or even an account with your spouse? It’s as simple as creating a unique vault for each goal in seconds.

Stokvel accounts with family and friends
Manage all your stokvel admin straight from Xhuma in a couple of taps.

Create healthy money habits & stick to your budget
Let’s help you cultivate your own unique lifestyle of wealth creation through intelligent budgeting & analytics.

Get paid in seconds
Create payment links and share them with family and friends no matter where they bank. We ensure you always get paid.

Card control in app with just a tap
No need to visit a branch or stand in a queue. You can manage your own cards instantly on your device.

AI powered client service
No more queues, no more call centers. Simply chat with our AI powered support to solve all your queries