Comparison

Swirl App vs Sword Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Swirl App

Features
Read full description

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

About

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.

Highlights
  • International money transfers
  • Crypto buying, selling, and trading
  • Encrypted chat and file sharing
  • Split payments among contacts
  • Two-factor authentication
  • No monthly banking fees
Features
Read full description

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

Swirl App4 screens
Sword Pay4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
Swirl App versus Sword Pay: the parameters behind the verdict, then further details
ParameterSwirl AppSword Pay
PriceFreeFree
Rating—3.0 (2 ratings) — better
Positive reviews—83.3% of reviews
Number of ratings—2 — better
Update frequencyEvery 3 monthsEvery 5 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
Monetization—Ad-supported
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS11.0 — better14.0
Further details — not scored
Size31 MB171 MB
Age rating9+4+
DeveloperHubswirl Inc.Excalibur Ascension ltd

In-app purchases

None

Swirl App

No in-app purchases

None

Sword Pay

No in-app purchases

Questions

Is Swirl App free?
Swirl App is free to download, with no in-app purchases.
Is Sword Pay free?
Sword Pay is free to download, with no in-app purchases.
Do Swirl App or Sword Pay have ads?
Sword Pay shows ads; Swirl App does not.
Which is updated more often, Swirl App or Sword Pay?
Swirl App ships an update every 3 months, and Sword Pay every 5 weeks. Most recently, Swirl App was updated on October 24, 2026 and Sword Pay on October 13, 2026.

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