# Swile vs Lydia

The clearest difference is review sentiment: Swile at 88% against Lydia's 60%. Swile also leads on ratings volume (351 vs 6). Lydia's advantage is monetization model (free vs free with in-app purchases) and rating (5.0 vs 4.7). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Lydia holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Swile has 351 ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 88% of Swile's written reviews are positive against 60% of Lydia's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Swile | Lydia |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (351 ratings)](https://appshunter.io/ios/app/swile/id1190612035/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/lydia/id6475691727/reviews)** |
| Number of ratings | **351** | 6 |
| Positive reviews | **88.5% of reviews** | 60.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Weekly | Weekly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 240 MB | 243 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Swile](https://appshunter.io/developer/1190612034) | [LYDIA Solutions](https://appshunter.io/developer/495706608) |

## What reviewers say

### Swile

[App page](https://appshunter.io/ios/app/swile/id1190612035)

This app consolidates all your employee benefits, including meal vouchers, gift cards, and personal funds, onto a single virtual card. Manage your balance, view transactions, and access your PIN code all within the application.

**Highlights:** Consolidated employee benefits, Virtual card for mobile payments, View balance and transactions, Access PIN code, Donate to charities, Exclusive deals and offers

**Features:** Apple Wallet

**In-app purchases:** none


### Lydia

[App page](https://appshunter.io/ios/app/lydia/id6475691727)

Easily send and receive money with just a phone number. Create shared money pots to collect funds quickly. This free service offers a simple alternative to traditional banking methods, prioritizing security and user privacy.

**Highlights:** Send and receive money via phone number, Create shareable money pots, Simple and handy interface, Secure banking standards, GDPR compliant

**In-app purchases:** none


## Frequently asked questions

### Is Swile free?

Swile is free to download, with no in-app purchases.

### Is Lydia free?

Lydia is free to download, with no in-app purchases.

### Which has better reviews, Swile or Lydia?

Lydia is rated higher. Swile averages 4.7 out of 5 from 351 ratings, while Lydia averages 5.0 from 6 ratings.

### Do Swile or Lydia have ads?

Neither Swile nor Lydia shows ads.

### Which is updated more often, Swile or Lydia?

Swile ships an update weekly, and Lydia weekly. Most recently, Swile was updated on October 24, 2026 and Lydia on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*