We have reimagined business banking.

With an Xpence account you can manage your business banking and finances on the go in realtime – anywhere, anytime!

Auto Bookkeeping

We automatically categorise your transactions saving you valuable time.

Receipt capture

We’ll remind you to attach receipts and invoices to your transactions.

Xpence card

Issue unlimited physical and virtual Visa Business cards for you and your team.

Invoicing

Request payment on the fly by creating professional invoices through the app.

A business account for the modern entrepreneur.

Whether you are just starting out or already conqueing the world, we will help you launch and scale your venture.

Solo Entrepreneurs

Xpence makes it easier for freelancers
to manage their businesses
on the go.

Startups

Xpence is the perfect banking solution
for new ventures with two
or more founders.

Small Busineses

Xpence is the ideal solution for any
modern business to manage
its everyday finances.

21st Century Business Banking

Open an account from the comfort of your living room

You can open an Xpence account easily online without having to visit us in person. Simply prepare your docs, complete the details and your Xpence account will be opened in no time.

Send and receive funds locally and internationally

Receive payments and make payments to anyone locally or internationally. All transfers between Xpence users are instant and free.

A corporate Visa card to simplify your business spending

From instantly freezing your card to controlling how and when you use your Xpence Visa card can be used, you have complete control of you spending.

No more time wasted on expense management

All your transactions are automatically categorised, and you can even add receipts and notes to each transaction so everything is stored digitally in one place.

Understand exactly where you’re spending your money

All your expenses are grouped together by category and ranked. Instantly see where you’re spending money and make better decisions.

Create and track invoices to ensure you get paid on time

Create and send professional invoices from anywhere. When you get paid, we’ll reconcile it automatically. We’ll also let you know when invoices are overdue.

21st Century Business Banking

Open an account from the comfort of your living room

You can open an Xpence account easily online without having to visit us in person. Simply prepare your docs, complete the details and your Xpence account will be opened in no time.

Send and receive funds locally and internationally

Receive payments and make payments to anyone locally or internationally. All transfers between Xpence users are instant and free.

A corporate Visa card to simplify your business spending

From instantly freezing your card to controlling how and when you your Xpence Visa card can be used, you have complete control of you spending.

No more time wasted on expense management

All your transactions are automatically categorised, and you can even add receipts and notes to each transaction so everything is stored digitally in one place.

Understand exactly where you’re spending your money

All your expenses are grouped together by category and ranked. Instantly see where you’re spending money and make better decisions.

Create and track invoices to ensure you get paid on time

Create and send professional invoices from anywhere. When you get paid, we’ll reconcile it automatically. We’ll also let you know when invoices are overdue.

We are not a bank. We are better.

We do much more than just banking. We are empowering entrepreneurs to launch and scale their businesses.

Traditional Bank
Digital onboarding
Automated bookkeeping
Cash flow management
VAT calculation
Integrated e-commerce
A community for startups.

Is Xpence secure?

The security of our customers’ funds and personal data is paramount for all of us at Xpence. We have taken your security into consideration in every step of the design and build; from how you login to the app to where and when your card can be used. We have employed best in class security standards, and regularly use renowned third parties to test the integrity of our platform. Keeping your money and personal data secure is at the heart of everything we do.

Real-time support

Chat to our support team through the app whenever you need help.

High-level security

We apply high level security to protect your account and data

Funds are protected

All of your funds are held in a safeguarded account.

Total Control

Set limits & controls on your Xpence Visa card in the app.

Payment gateway services

Easily collect online card payments.

Your own e-shop

Set up an online store for your business in minutes.

Cash is king

Monitor your cash flow in real time.

Digitising petty cash

Issue cards to everyone in your team.

Create virtual cards

Manage online subscriptions with virtual cards.

Manage your VAT

Create a virtual jar for your tax obligations.

Banking from your desk

Access your XPENCE account from any laptop or desktop.

Multi user access

Add team members to your account.

Create virtual cards

Manage online subscriptions with virtual cards.

Payment gateway services

Easily collect online card payments.

Your own e-shop

Set up an online store for your business in minutes.

Manage your VAT

Create a virtual jar for your tax obligations.

Banking from your desk

Access your XPENCE account from any laptop or desktop.

Cash is king

Monitor your cash flow in real time.

Digitising petty cash

Issue cards to everyone in your team.

Multi user access

Add team members to your account.

FAQ

No, Xpence is not a bank. We are a digital business account. Your account comes with an IBAN and a Visa Business prepaid card. We do not offer credit facilities. Your money is held in a ringfenced account with a licensed traditional bank. Your Visa card is issued by a licensed financial institution.

An Xpence account is a digital business account. It allows you to do basic business banking transactions such as sending & receiving money, and paying bills.

As a minimum you will require an incorporated company and each owner must be a resident of the country of incorporation. Legal documents of the company and owners will be required, e.g. commercial license, articles of associations, passports, etc.

Xpence offers banking services as a subscription. You will pay a monthly subscirption fee depending on your usage. Xpence account fees will range from $0 per month to $99 per month.

Become a Beta Tester

Get early access

Step 1

Download the app and
enter your invite code.
Don’t have an invite code,
request one from here.

Step 2

Complete your details and
get on the waiting list.

Step 3

We’ll send you your
Xpence card if you qualify
as Beta tester.

Get ready to experience a paradigm shift in business banking. Fill in your details below and we’ll send you your personal invite when we’re ready to go.

Let Xpence keep me up to date