Africa’s best cross-border hybrid digital bank.

A Blockchain bank right on your smartphone,

Where finance and technology merge to create the future of digital banking.

Open a non-resident account in minutes right from your phone and make your money go further.
mobile banking

How to get started

  • Download the app from the Apple App Store or the Google Play Store;
  • Enter your phone number and a verification code will be send to you;
  • Create an account by telling us who you are;
  • Verify who you are by uploading your photo ID and a proof-of-address by using our compliance portal;

Everyday banking

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Put money in your hands

Track your money all in one place and make your daily spending seamless.

Pay and get paid, hassle-free

Send and request money with a tap, split bills easily with anyone in 200+ countries.

Choose a Card

On-Demand Pay


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Pay, send, receive and invest crypto right from your dashboard.


Access to the latest stock prices right from your dashboard.


Saving Vaults


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Home Insurance

Apply for home insurance.

Health Insurance

Apply for Health Insurance.

Car Insurance

Apply for Car Insurance.


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International Transfers

Make global payments in over 20+ currencies.

Currency Exchange 

Exchange your money instantly.

Lounge Access

Access airport lounges and travel perks with VXL Bank

Understand your money spending better

  • Create custom categories to group your spending in ways that work for your lifestyle.
  • Divide single transactions into multiple categories to group your spending, your way.
  • Auto-export transactions to Google Sheets as they happen, for a detailed look at your spending.

Awesome and friendly support

Reach out to our support team for any technical issue, share your feedback or ask us about any query regarding your account. We are here for you.

Apply for an award-winning blockchain based digital bank account.

Start your journey to financial freedom today.

Spend, Save and Exchange.

VXL Bank is a blockchain bank based in São Tomé and Príncipe, providing cross borders payments, prepaid card issuing, and multi-currency services.

VXL Bank S.A. is an authorised European EMI agent working under for the distribution and redemption of electronic money.

VXL Bank S.A. is an authorised financial institution license.

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