The modern banking experience

Xoe is here to provide you the very experience your traditional bank hasn’t been able to meet. Better interest on savings, easy access to money on-the-go and instant loans.

We’re on a mission to remove one
Billion Africans out of the “Rat Race”

why choose xoebank?

Free Bank account

signup for a standard bank account 100% online. No account creation fees and no paper work.

Instant Debit Card

Your Free bank account comes with a debit card and you don’t need to pay any extra money for it.

Instant loans

Get access to an instant line of credit. You can build that to any amount as you bank responsibly.

Convinient payments

Pay for Water, electricity, travel tickets, gas etc and enjoy amazing cashbacks on all payments.

Free Bank transfers

Enjoy free bank transfer to any xoebank account and 25 free bank transfer to other banks monthly.

Save and Spend Monitor

Set spend and save targets and get notified when you meet them. Live in financial freedom.

Free cash withdrawals

Withdraw at any of our ATM for free or pay very little fees with any or our agents nation wide

Best interest rates

Save regularly with xoebank and get interest rates of up to 8% anually. No hidden cuts.

No hidden fees

Traditional banks are notorious for hiding extra fees within their lengthy paper work. But that’s about to end.

with xoebank, ou can say goodbye to hidden fees. Yes, you got it right! no minimum account balance, no overdraft fees, no maintenance charges, no insufficient funds fees, no problem. A bank should help you grow your money, not take it away.

Make money every time your spend

Rather than make you pay more for anything in the name of handling fees, we help you recover some of that money in the form of cashbacks.

Now can automatically earn cashback on groceries, gas, travel, restaurants, fashion, and more when you pay with the xoebank app.

You are fully covered

Standard insurance

Your money is KOBAC insured up to CFA 200 million through our Partner Bank.

Card fraud protection

With our card partner’s Zero Liability policy, you’re protected from unauthorized transactions

Cutting Edge security

We have cutting edge bank level data security and promise to never sell your data.

Choose Xoebank over
your traditional bank


Other banks

Account creation feesFreeupto 50,000 FCFA
Transfer FeeFreeupto 5%
Debit CardFreeAverage 12,000 FCFA
Card Delivery feeFreehmmm
Monthly maintenance feesFreeAverage 5,000F
Transaction AlertsFreemonthly sms bill
Bill Payment FeeFreeupto 100FCFA
Complete banking On-the-goTop notchNo really
Annual Interest Ratesup to 4%2.5%

Banking on the go

Earn 1.20% on deposits & 5% cashback on top brands like,
Santa Lucia, Carrefour market and Mayima

Help us build the kind of bank you want to use

Download the Xoebank app on iOS or Android and thousands or people and SMBs using xoebank to improve their banking experience