Swirl App vs Sword Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Swirl App
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HubSwirl is a location Decentralized Platform Connecting People, community, Brands & Business, Influencers & Fans. Soon to be integrated with our utility token SWIRL. HubSwirl is a different kind of network that connects you to a powerful network of friends, teammates, classmates, local business, local community and organizations. Network opportunities, market a talent, provide a service, buy and sell things, share a photo or plan an event. Collaborate with your team, group, classmates, work, community, or local business. Join the Revolution..Go ahead and Swirl
Sword Pay
This app offers secure international payments and encrypted communication. Send and receive money or crypto, chat with contacts, and share encrypted files globally without monthly banking fees.
- International money transfers
- Crypto buying, selling, and trading
- Encrypted chat and file sharing
- Split payments among contacts
- Two-factor authentication
- No monthly banking fees
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SWORD Protected International Payments International Payment Solution KEY WORDS Wallet, Pay, P2P, Send money HOW IT WORKS Download the SWORD App and sign up in 2 simple steps. Follow our Two Factor Authentication process and start using your SWORD right away. ABOUT THIS APP An encrypted global payment solution connecting you to the world. To Protect. To Provide. To Conquer. SWORD protects and provides both your payment and communication needs (Telegram Encryption). Creating a platform for you to connect to billions of people. Chat, Make Payments, Receive Funds, Trade Crypto and Share encrypted media with No monthly banking Fees. Expand your world through SWORD and take ownership of what’s yours. SEND AND REQUEST MONEY INTERNATIONALLY Send and Request funds while directly communicating with your contacts or customers, securely and instantly. Enjoy the security of industry leading payment features to send or receive money in cash or crypto directly. Send or Request funds to Anyone, Anywhere, Anytime and keep in direct communication with In-App Encrypted Chat. BUY, SELL, SEND, AND RECEIVE CRYPTO Swift, Simplified and Social way to trade over 350 Crypto assets. Easily start or maintain your crypto wallet through SWORD. Send, Request, Buy, Hold, Sell, Exchange and FileShare with crypto. Please be aware that Crypto is volatile , Purchasing crypto involves risk as the value may rise and fall quickly. Consider seeking advice from your financial adviser. SPLIT A PAYMENT OR A REQUEST BETWEEN MULTIPLE CONTACTS Easily Pay or Send (a) Payment Request to multiple people at once. Select the contact or group and customise the payment. Or have Sword split the amounts equally for you. SHARE ENCRYPTED FILES FileShare - Empowering users to protect their work. Send it regularly in chat for free or include FileShare with a payment request. **SWORD is a financial technology platform, not a bank. Banking services are provided and issued by SWORD banking partners, not Excalibur Ascension LLC.
Screenshots
Verdict
The clearest difference is ads: Swirl App at none against Sword Pay's shown. Swirl App also leads on iOS requirement (11.0 vs 14.0). Sword Pay's advantage is update cadence (every 5 weeks vs every 3 months). On price, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Swirl App ships an update every 3 months, Sword Pay every 5 weeks. The most recent releases landed on October 24, 2026 and October 13, 2026 respectively.
| Parameter | Swirl App | Sword Pay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.0 (2 ratings) — better |
| Positive reviews | — | 83.3% of reviews |
| Number of ratings | — | 2 — better |
| Update frequency | Every 3 months | Every 5 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | — | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 31 MB | 171 MB |
| Age rating | 9+ | 4+ |
| Developer | Hubswirl Inc. | Excalibur Ascension ltd |
In-app purchases
Swirl App
No in-app purchases
Sword Pay
No in-app purchases









