DT&T vs XCel App.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DT&T
Send money internationally from your smartphone with this convenient and low-cost service. Track transactions, estimate fees, and manage your account easily. Transfers are often same-day and funds are received via bank deposit.
- Send money internationally
- Track transactions
- Estimate transfer fees
- Manage account
- Guaranteed exchange rates
- Low upfront fees
- Same-day transfers
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DT & T Money Transfer is an online money transfer service that lets you send money to friends and family back home, using your smartphone. It is a convenient, low-cost alternative to using our high street branches and agents for your remittance. With DT & T’s mobile app, you can send money worldwide, track transactions, estimate transfer fees for online transactions, manage your account, and much more! Transfers to most countries are same day and funds can be received as a bank deposit only. Currencies used on DT & T include USD, GBP, EUR, CAD, NGN, ZAR, CHF, JPY Low cost • Guaranteed exchange rates • Low fees displayed up-front Fast • Instant transfers to many countries • Notifications by email. Simple • Send from smartphone. • Available 24/7 Trusted • Trusted by thousands of clients. • Authorised by the Financial Conduct Authority
XCel App.
Manage your finances with this app. Send and receive money, pay bills, and buy virtual top-ups instantly. Open an account securely in minutes to start transacting.
- Secure account opening
- Send and receive transfers
- Pay bills
- Buy virtual top-up
- Instant transaction notifications
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Xcel is the financial solution designed for your everyday needs. Open an account securely in minutes and start transacting! With Xcel, get instant notifications on all your transactions when you: • Send and receive transfers using our app. • Pay bills for yourself and your loved ones and • Buy virtual top-up (VTU), All these are made possible at the tap of a button!
Screenshots
Verdict
The clearest difference is rating: DT&T at 4.0 against XCel App.'s 3.1. DT&T also leads on device support (3 vs 1). XCel App.'s advantage is update cadence (every 9 days vs monthly) and review sentiment (29% vs 15%). On price, ads, in-app purchases and monetization model 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.
DT&T holds the better App Store score, 4.0 against 3.1. That said, the two scores are not equally well evidenced: XCel App. has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 15% of DT&T's written reviews are positive against 29% of XCel App.'s, so the app with the better star average is not the one people write more warmly about.
DT&T ships an update monthly, XCel App. every 9 days. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | DT&T | XCel App. |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (1 ratings) — better | 3.1 (8 ratings) |
| Positive reviews | 15.4% of reviews | 29.4% of reviews — better |
| Number of ratings | 1 | 8 — better |
| Update frequency | Monthly | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 44 MB | 137 MB |
| Age rating | 17+ | 4+ |
| Developer | DT&T Corporation Ltd | XCel INC |
Customer experience
DT&T
XCel App.
In-app purchases
DT&T
No in-app purchases
XCel App.
No in-app purchases
