Review on Excelsiacommercialbank

The website Excelsia Commercial Bank (excelsiacommercialbank.com) presents itself as an online bank offering full-service banking and lending: home loans, car loans, commercial loans, education loans, “gold loans,” land-loans, and more. It claims to have “17+ years of experience,” over 25,800 clients, “100 % success rate,” 1.4 b (billion) in investments, and awards (54 “Award Achievment[s]”). 
On the surface, the site uses the trappings of a legitimate bank: “Login”, “Create Account”, a professional-looking layout, statements about transparent processes and quick loan approvals. 

However, a closer analysis raises very serious doubts about its legitimacy. The domain is extremely new (registered 2025-02-20) and the WHOIS is privacy-hidden. According to a third-party website rating service the site has a low trust score and is flagged as “may be a scam”. 
In short: although the website masquerades as a full-fledged bank and lender, the evidence strongly suggests it is not a legitimate regulated banking institution, and quite possibly a scam designed to lure unsuspecting depositors or borrowers.

More Details

1. Regulation and legitimacy: Banking is a highly regulated industry. A legitimate bank must be licensed in its jurisdiction, provide information about deposit insurance, regulatory oversight, audited financial statements, and be listed in banking regulator registries. This website provides none of that. It simply claims “we are trusted by more than 25,800 clients” without proof, and there is no reference to a regulatory body. Without such licensing, calling oneself a “bank” is misleading and risky.

2. Domain & hosting risk profile: The domain is extremely new (Feb 2025), which means it has had no long track record. Scam operations often create new domains, promise high returns or easy loans, get people’s funds/data and vanish. The fact that the domain owner is hidden raises accountability concerns. The shared hosting with other suspicious domains is another sign of cheap infrastructure typical of scam labs. The independent site scan (ScamAdviser) categorised it as low trust. 

3. Unrealistic marketing & promises: The site’s marketing suggests “100% success rate”, “1.4b investments”, “within 24 hours funding after approval”, “we are trusted by more than 25,800 clients”, “54 awards” etc. These superlatives often function as psychological hooks to lure in victims. Real banks don’t guarantee “100 % success” of loans since risk is inherent.

4. Lack of transparency: There is no credible physical address, no clearly dated financial statements, no external verifiable audits, no names of officers/board, no testimonials with full verifiable identities, no standard banking disclosures. Transparency is essential for a legitimate bank.

5. High‐risk for users: If a person uses this site to "open an account" or "apply for a loan", they may face multiple risks:

   • The personal and financial data they enter may be collected and misused.

   • They may be required to pay upfront “fees” or “security deposits” to receive a loan, and then get nothing.

   • They may discover that their “account” is not protected by any deposit insurance scheme.

   • They may find they cannot withdraw funds, or the entity disappears.

6. Absence of credible reputation: A real bank tends to have decades of history, press coverage, regulation, customer reviews, physical branches, etc. This site is brand-new and lacks these hallmarks. The only third-party reference found is a scam rating service indicating caution. 

In combination, these factors make it highly likely that the website is a baiting vehicle rather than a real bank. For safety’s sake, you should assume it is a scam, avoid interacting with it, do not provide personal data, do not pay money or rely on its “banking” services.