# Cypher by Holt — One stop financial solution

> One stop financial solution (iPhone/iPad app by Cypher Limited.)

- Source: https://appshunter.io/ios/app/cypher-by-holt/id6444574611 (this page in markdown: same URL + `.md`)
- Developer: [Cypher Limited](https://appshunter.io/developer/1654197914)
- Category: Finance, Business
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 25 MB
- Languages: English
- Released: 2023-01-09
- Data updated: 2026-05-17
- User reviews in markdown: https://appshunter.io/ios/app/cypher-by-holt/id6444574611/reviews.md

## What is Cypher by Holt?

Decoding Wealth for Everyone

We believe that everyone has the same right to build wealth. Wealth is a key element of independence, freedom and security. No matter your income, savings history or financial habits, we’re here to help you take control of your money, create a plan and get started on a path to financial freedom. Our goal is to empower you with the knowledge, skills and resources needed to grow your wealth.

Benefits 

•	Send and receive money in minutes 
•	Transfer funds globally in 180 countries 
•	Transfer money in multiple currencies
•	Easy onboarding for employees 
•       High credit limits available 
•	Online purchases (no restrictions, like a traditional prepaid card) 
•	Fraud monitoring & notifications 
•	Customizable & brandable card programs 
•	Customizable utility dashboards 
•	A dedicated relationship manager


Cypher is secured

A regulated and licensed bank protecting your national security and digital assets.

•	24/7 Network Monitoring
•	User Privacy Protection
•	Integrated Cybersecurity Technology
•	Safeguards for all Account Information
•	Multi-factor Authentication

Wealth is key to independence, freedom and security. No matter your income, savings history or financial habits, take control of your money, create a plan and get started on a path to financial freedom.


## Version history (last 4 releases)

### 1.0.8 — 2024-04-03

Bug fixes and improvements such as added other languages.

### 1.0.2 — 2023-03-31

- Minor bug fixes and improvements

### 1.01 — 2023-02-05

Minor enhancements

### 1.0 — 2023-01-09

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-17.*