• Loyalty Program
  • XEPPT Cashback
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    Web app
    Mobile app
    Physical prepaid card

    Unlock a life of financial freedom

    Manage your money with ease using XEPPT — our finance service that lets you send and receive payments, pay bills, request funds, and access global spending through our prepaid card. Enjoy advanced security, cashback rewards, and a loyalty program

    Join the waitlist

    Join the waitlist now to secure your $30 bonus after identity verification

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    What can you do with your XEPPT account

    Send, request, and receive money

    Send and request money from your XEPPT or Interac contacts, withdraw funds to linked bank accounts, and load your balance from linked accounts or cards — all in one place.

    Order your XEPPT prepaid card

    Order your reloadable XEPPT card and use it anywhere Visa is accepted—online or in-store. Load it through XEPPT, and enjoy secure access to your money worldwide.

    Keep your money safe

    Protect your funds with advanced encryption, enable two-factor authentication, and receive real-time alerts for every transaction. Get 24/7 support whenever you need it.

    Manage your money on the go

    Make seamless transactions, manage your XEPPT cards, receive real-time notifications, and much more with our mobile app — stay in full control of your finances anytime, anywhere.

    Simplify your business transfers

    Open a business wallet to manage funds, pay bills, and schedule transfers — without the delays and high fees of traditional banks. Focus on growing your business.

    Turn your spending into rewards

    Earn points on transactions through your wallet or XEPPT cards with our Momentum loyalty program. Upgrade your profile level to unlock lower fees.

    Earn cashback with our browser extension

    Install the XEPPT Wallet browser extension to earn cashback on purchases at hundreds of partner sites, credited directly to your XEPPT account.

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    Get real-time control with the XEPPT mobile app

    Stay connected to your money on the go. Use the XEPPT app to monitor your balance, track spending, manage your Visa cards, and receive real-time updates — all in one fast, secure, and easy-to-use app.

    • Send money in seconds with just a few taps
    • Enable biometric authentication
    • Get instant notifications that keep you informed
    Join the waitlist

    Smarter spending starts with the XEPPT prepaid card

    A secure and safe way to pay

    Stay protected with 3D Secure and advanced features like instant card freezing and real-time alerts. XEPPT gives you full control and peace of mind with every payment.

    Smart and flexible payment management

    Take control of your spending by issuing as many cards as you need — each one dedicated to specific services or expense categories, with customizable spending limits.

    Accepted all over the world

    Pay securely online and in-store, anywhere in the world. Perfect for travel, subscriptions, ads, and everyday business spending.

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    Low fees. Big difference.

    Low fees that work in your favor

    XEPPT keeps transaction costs minimal, so you keep more of your money. No inflated charges — just fair, competitive pricing on everything you do.

    Transparent pricing. No hidden fees

    Clarity comes first: no monthly charges, no confusion. You only pay for what you use — with every fee clearly shown before you confirm a transaction. Fair and transparent, just as it should be.

    Momentum: loyalty that lowers your costs

    With our Momentum loyalty program, every transaction earns you points — and as you accumulate points, your profile level rises, unlocking lower fees. Simple as that.

    24/7 support team

    Our team is available around the clock to assist with security issues and keep your account safe.

    Two-factor authentication

    Adds an extra layer of protection to keep your account secure, even if your password is compromised.

    Account suspension protocols

    Suspicious activity? We act fast to lock down your account and protect your assets.

    End-to-end encryption

    Your data is encrypted at every stage, ensuring only you and your intended recipient can access it.

    Real-time monitoring

    Continuous monitoring to detect and stop threats before they impact you.

    Your security is our priority

    XEPPT protects your data and transactions with industry-leading security features—so you can manage your finances with confidence

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    Frequently Asked Questions

    How can I send, receive, and request money using XEPPT?

    With XEPPT, you can send, receive, and request money quickly and securely:

    • Send money to XEPPT contacts instantly, via Interac e-Transfer, or directly to a linked bank account.
    • Receive money from XEPPT contacts, through Interac e-Transfer, or by loading balance from your linked bank account or card.
    • Request money from XEPPT or Interac contacts, or request a balance load from your own linked bank account or card.

    How does the XEPPT prepaid card work?

    The XEPPT prepaid card lets you spend only what you've loaded onto it — with no credit checks, no interest, and no risk of overspending. It's a flexible, secure alternative to cash or traditional bank cards, with no hidden fees, and you're free to stop using the card at any time without penalty.

    You can load funds onto your card directly from your XEPPT wallet and use it for everyday purchases online or in-store, wherever Visa is accepted. The card stops working when your balance reaches zero, so there's no risk of debt or overdraft fees.

    Manage your prepaid cards easily from your XEPPT account. You can check your balance, track your transactions, and control card settings — all in one place.

    Can I schedule payments or transfers in advance?

    Yes, with XEPPT you can schedule both one-time and recurring transactions. This includes payments to your XEPPT contacts, withdrawals to your linked bank account, balance loads from a linked bank account or card, and bill payments. Scheduling helps you automate regular transactions and stay in control of your finances.

    How do I pay bills with XEPPT?

    You can add new payees to your payees list, making it easy to manage all your billers in one place. Once added, you can pay bills instantly or schedule one-time or recurring payments to ensure you never miss a due date. Payments are securely processed through your XEPPT wallet, and you can manage and track your scheduled recurring bill payments at any time, giving you full control and visibility over your finances.

    What happens if suspicious activity is detected on my account?

    If we detect unusual activity on your XEPPT account, we will temporarily restrict access to important account functions as a precaution to protect your security. Your safety is our top priority. In such cases, you should contact our support team to restore full access.

    How is my personal and financial data protected?

    Your security is our highest priority. We protect your personal and financial data through end-to-end encryption and two-factor authentication (2FA) to prevent unauthorized access. Additionally, our KYC verification process ensures that only verified users can access sensitive features. Our dedicated support team is available 24/7 to assist you with any security concerns.

    Your money. Your way.

    Send, receive, and manage funds on your terms — with XEPPT's smart tools and secure platform

    Open account Get the mobile app
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