About Us

Where money travels in speed

Express Bank helps you spend, send, and save smarter. Welcome to your new favourite way to do all things money.

40+ million

personal customers, globally

500k+

business customers, globally

160+

countries and regions supported

36

in-app currencies supported

Let's simplify all things money

Our global mission is for every person and business to do all things money — spending, saving, investing, borrowing, managing, and more — in just a few taps.

Why we come to work every day

Money matters are complicated. Whether it’s sending money abroad, balancing your family’s budget, or scaling your business — we’ve all experienced how fractured and frustrating finances can be.
That’s why we’re here. Express exists to remove the friction that stands in the way of your money goals becoming your new reality.

What we've done so far

We’re building a platform so effortless, so seamless, so borderless that you’ll never want to use another financial app again. And we’re making it happen by doing what we always do: relentlessly delivering faster, better, smarter products.

2026 - 2025

- Fund Rise planning - £ 25M - Releasing in 2026 - Launch as a Express first super bank in United Kingdom and Bangladesh

2024

- Ideas invested - Planning a team - Next generation super banking App - Come accross to create revolution in digital finance

2023

Discovered a team - Market study - Digital Finance analysis last 4 years - Comes together to build an innovative team

The Board

The Group Board of Directors are responsible for setting the overall strategy and culture of the Express Bank, and for overseeing management in its day-to-day running of the business.

The Board is also responsible for ensuring the Group has in-place governance arrangements, as well as policies and practices appropriate for the size and nature of Express’s business.

MEET OUR BOARD OF DIRECTORS

Get to know our global leadership team who steers our Dream Team, and how Expressbank.uk applies the spirit of the Corporate Code Principles within our Corporate Governance Framework in United Kingdom.

 

Chairman

Sasagawa San

Sasagawa is the Chairman and Founder of Express and a co-founder since starting the company with James Murray. With an impressive 25+ years career in the Japanese banking sector, Sasagawa  has gained extensive experience in various financial offices. After many years in the international forex market and money exchanges, utilizing AI-based technologies, Sasagawa dedicated his efforts to developing an all-in-one super finance application. This innovative app aims to streamline daily financial management for British people, offering a trusted and comprehensive banking solution.

CEO

Vacancy open

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CTO

Anand Bhandari

Anand has been serving as Express’s Chief Technology Officer since  the company with James Murray & Sasagawa . With extensive experience in software engineering across various sectors such as social and finance, he has developed database warehouse systems and social apps. Over his 12+ years at top-tier banks and IT companies, Anand has built financial software systems, leading him to recognize the need for a next-generation digital super banking service. He holds a degree in computer science and has key skills in AI and data warehouse applications.

Co-founder & Vice President

James Murray

James is the Vice President of Express and a co-founder since starting the company with Anand Bhandari. With an impressive 15+ years career in the UK banking sector, James has gained extensive experience in various financial offices. After many years in the international forex market and money exchanges, utilizing AI-based technologies, James dedicated his efforts to developing an all-in-one super finance application. This innovative app aims to streamline daily financial management for British people, offering a trusted and comprehensive banking solution.

Brand Area Manager ( X Revolut, X Monzo )

Vacancy open

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Retail ,Corporate Banking and Operation

( X Revolut, X Barclays)

Vacancy open

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Finance Manager ( X Stripe, X Revolut)

Vacancy open

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Executive Director ( X Llyods, X Phonepay )

Vacancy open

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BDM Head ( X Trip.com, X Stripe)

Vacancy open

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Product and Marketing Head ( X Zomato.com )

Vacancy open

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Bank Manager

Nitesh Shrestha

Nitesh has been the Branch Manager of the India Branch for over 11 years. During his tenure, he has overseen a total RA portfolio exceeding USD 12 billion and deposits of over USD 6 billion. Prior to this role, he served as an Branch Manager for several years and worked as a Senior Auditor at Stafin Capital. Nitesh is a Chartered Accountant (CA) from the Institute of Chartered Accountants of India and holds an MBA in Finance. He joined Express with a strong dedication to his work.

Great Britain

As part of a regulatory requirement, independent surveys were conducted to ask customers of the largest personal current account providers in Great Britain and Northern Ireland if they would recommend their provider to friends and family.

Share of APP fraud refunded

This data shows the proportion of total APP fraud losses that were reimbursed, out of 14 firms. Higher figure is better.

Under Construction!

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