Comparison

ACE Money Transfer vs CellPay

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

Head to head
About

ACE Money Transfer

Send money internationally quickly and securely to over 75 countries. Supports bank deposits, cash pickup, and mobile wallet transfers with competitive rates and low fees. Offers real-time tracking and 24/7 multilingual customer support.

Highlights
  • International money transfers
  • Send to 75+ countries
  • Bank deposit, cash pickup, mobile wallet
  • Competitive exchange rates
  • Low fees
  • Real-time transfer tracking
  • 24/7 multilingual support
Features
Read full description

ACE Money Transfer – Send Money Worldwide Send money internationally—fast, secure, and stress-free. With ACE Money Transfer, you can send money to over 75 countries with just a few taps. Whether you're supporting family, paying bills abroad, or helping in an emergency, ACE offers the speed, transparency, and reliability you need. ACE is authorised and regulated by the FCA (UK), AUSTRAC (Australia), and FINTRAC (Canada)—so your money is always in safe hands. Enjoy bank deposit, cash pickup, or mobile wallet transfers with competitive exchange rates and low fees. The ACE app is designed to make global money transfers easy and accessible for everyone, anytime, anywhere. We’ve upgraded the entire experience for iPhone users—now faster, smoother, and more secure than ever. From signup to delivery, the ACE app is your trusted partner for international money transfers. What’s New: Faster Onboarding: Create your account and send your first transfer in minutes. Social Login: Instantly log in with your Apple ID. (Support for other login options available.) - no need to remember passwords. Redesigned Interface: Clean, modern design for smooth navigation and easy transactions. Simplified Verification: Get verified quickly with fewer steps. Performance Boosts: Faster app performance and quicker access to everything you need. Why iPhone Users Love ACE Money Transfer: Real-Time Exchange Rates: Get the best value with live currency updates. No Hidden Fees: See exactly what your recipient will get before you send. Flexible Delivery Options: Choose between bank deposit, cash pickup, or mobile wallet depending on your recipient’s location. Live Transfer Tracking: Stay updated from send to delivery with real-time tracking. 24/7 Customer Support: Multilingual support is always available when you need help. How It Works: Download the app from the App Store. Sign up and verify your identity in a few simple steps. Select a country, enter the amount, and choose a delivery method. Pay using your debit/credit card or bank transfer. Track your transaction in real time and get instant delivery alerts. Transfers are typically delivered within minutes, with full transparency at every stage. The app uses secure encryption and complies with global financial regulations, so your money is always protected. Send Money to 75+ Countries We support money transfers to countries across Asia, Africa, Europe, and beyond—including the Philippines, Pakistan, India, Nigeria, Bangladesh, Ghana, Morocco, Nepal, and Sri Lanka. Choose from thousands of payout locations worldwide for cash pickup or direct deposit. Whether you’re a student, worker, small business owner, or family supporter, ACE Money Transfer gives you an easy, fast, and cost-effective way to move money globally. Why ACE? Trusted by millions of users Compliant with international money transfer regulations Safe, encrypted, and secure app environment Great rates and low transfer fees Exclusive offers, rewards, and seasonal promotions User-friendly app made for both beginners and regular users Download ACE Money Transfer now and send money internationally with complete peace of mind. Fast transfers, great rates, and global coverage

About

CellPay

This service allows users to make digital payments and transfer funds directly from their bank accounts. It offers a secure way to pay bills, book tickets, and manage various financial transactions through web and mobile channels.

Highlights
  • Digital payments
  • Fund transfers
  • Utility bill payments
  • Merchant payments
  • Flight booking
  • Insurance payments
  • Government payments
Features
Read full description

CellPay is a payment service powered by Cellcom Private Limited, licensed by Nepal Rastra Bank. CellPay provides digital payments and fund transfer services that use web and mobile channels to help you make payments directly from your bank account. CellPay uses international-level security to ensure you are always protected. The best way to understand CellPay is as a digital debit card. The only difference is that unlike a debit card CellPay cannot be lost or stolen from you, and you can link multiple bank accounts to your CellPay account. Currently, the CellPay service supports utility payments, merchant payments and fund transfer services. Features of CellPay · Top Up: Ncell, NT, Smartcell (upto 4% cashback) · Data Pack: Ncell, NT · Fund Transfer: Transfer funds across all financial institutions of Nepal at bare minimum rate · ISP Payment: Supports bill payment across all top ISPs of Nepal. · DTH Payment: Supports bill payment across different cable operators in Nepal. · Electricity Bill: Payment can be made to NEA directly from our App. · Khanepani Bill : Payment can be made of different Khanepani and KUKL counters · Merchant Payment : Merchant payment can be done to all Fonepay and Nepal Pay merchants. · Flight Booking: Book Domestic airline tickets from our app and get highest cashback in the industry. · Insurance payment: Make hassle free payment to 15+ insurance companies in Nepal. · Demat: Renew and subscribe to different Demat accounts. · Government Payment: Pay for your traffic fine or can make any other government payment in Nepal. · Movie Tickets: Buy movie tickets for your favourite show across most of the halls in Nepal. · Bank Link: You can link your bank account across our partner banks and make hassle free transaction even faster. · Load Funds: You can now load funds into your CellPay wallet from different methods and from almost all financial institutions of Nepal.

Screenshots

ACE Money Transfer4 screens
CellPay4 screens

Verdict

The call

The clearest difference is rating: ACE Money Transfer at 4.7 against CellPay's 3.5. ACE Money Transfer also leads on review sentiment (64% vs 33%) and ratings volume (976 vs 11). CellPay's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

ACE Money Transfer holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: ACE Money Transfer has 976 ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 64% of ACE Money Transfer's written reviews are positive against 33% of CellPay's.

UpkeepUpdate frequency

ACE Money Transfer ships an update fortnightly, CellPay every 3 weeks. The most recent releases landed on November 3, 2026 and November 2, 2026 respectively.

Scorecard5 real differences · 5 level
ACE Money Transfer versus CellPay: the parameters behind the verdict, then further details
ParameterACE Money TransferCellPay
PriceFreeFree
Rating4.7 (976 ratings) — better3.5 (11 ratings)
Positive reviews64.4% of reviews — better33.3% of reviews
Number of ratings976 — better11
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size173 MB68 MB
Age rating4+4+
DeveloperACE Money Transfer LimitedCellcom Private limited

Customer experience

ACE Money Transfer

All ratings974 ratings
Positive93.6%
Neutral2.6%
Negative3.8%
Written reviews362 reviews
Positive64.4%
Neutral0.8%
Negative34.8%

CellPay

All ratings11 ratings
Positive54.5%
Neutral18.2%
Negative27.3%
Written reviews6 reviews
Positive33.3%
Neutral16.7%
Negative50.0%

Bugs and requests

ACE Money Transfer

Reported bugs

3 issues
  • Frequent app crashes
  • Incorrect country flag display
  • Issues with updating bank details

Requested features

4 requests
  • Autofill login details
  • Option to add funds for future transfers
  • Ability to delete beneficiaries
  • Improved in-app notification system

CellPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ACE Money Transfer

No in-app purchases

None

CellPay

No in-app purchases

Questions

Is ACE Money Transfer free?
ACE Money Transfer is free to download, with no in-app purchases.
Is CellPay free?
CellPay is free to download, with no in-app purchases.
Which has better reviews, ACE Money Transfer or CellPay?
ACE Money Transfer is rated higher. ACE Money Transfer averages 4.7 out of 5 from 976 ratings, while CellPay averages 3.5 from 11 ratings.
Do ACE Money Transfer or CellPay have ads?
Neither ACE Money Transfer nor CellPay shows ads.
Which is updated more often, ACE Money Transfer or CellPay?
ACE Money Transfer ships an update fortnightly, and CellPay every 3 weeks. Most recently, ACE Money Transfer was updated on November 3, 2026 and CellPay on November 2, 2026.

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