Xtrm vs Wodi Money
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Xtrm
A secure and convenient mobile app for global fund management. It allows users to send, receive, and access money worldwide in any currency, with options for currency exchange and direct bank transfers. Businesses can also integrate its payment technology into their own solutions.
- Global fund reception and sending
- Multi-currency support
- Currency exchange
- Direct bank transfers
- Payment platform API integration
- Digital wallet architecture
- Multiple payment options (ACH, Wire, Cards, Gift Cards)
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The Xtrm mobile app is a secure and easy way to receive, send and access your funds from anywhere in the world in any currency. This easy to use and convenient app ensures privacy and security of all information and transactions whilst giving you many options on how to receive your final payment. Companies can now provide their individual payees - partners, employees, contractors and suppliers - with mobile access to their funds. Payees can exchange currency directly from the mobile app to convert payments received into their local currency and then transfer funds directly to their bank account. Developers can now embed all the features of Xtrm’s payment technology and platform to create mobile payment solutions using Xtrm's powerful global payment platform and API. Powered by an intelligent digital wallet architecture, Xtrm’s platform allows consumers and companies of all sizes to receive, manage and make any type of B2B and B2C global payments. Capabilities include multiple mass payment collection, management and transfer options and the broadest choice of cash and non-cash global payment options such as ACH, Wire, VISA Debit Cards, Virtual Visa, Check and over 200 multinational digital gift cards. Xtrm supports over 140 global currencies allowing any kind of currency payments and currency exchange to individuals and companies anywhere in the world, whilst ensuring complete domestic and international tax and security compliance and adherence to all financial and legal regulatory requirements such as SOX , KYC, and AML compliance. Xtrm allows developers to integrate the intelligent wallet architecture into any web or mobile application as a completely white-labeled solution. Whether your business is accounts payables, accounts receivables, incentives, rebates or any global money flow, you can easily embed payments directly into your platform.
Wodi Money
Send money globally to mobile wallets, bank accounts, and debit cards. Accept card payments directly from your phone and get instant Visa debit cards and bank accounts. Access cash deposits and withdrawals through a worldwide agent network.
- Global money transfers to 50+ countries
- Accept credit card payments
- Instant Visa debit card and bank account
- Community banking for cash deposits/withdrawals
- Pay and get paid via phone number
- User-friendly POS system
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Why Choose Wodi? Send money via WhatsApp or voice. Get a free Visa debit card. Accept payments from your phone. Trusted by 1.7M+ users in 50+ countries. Your phone number is your bank. Your phone number is your bank account. Your corner store is your branch. WODI is the all-in-one money app built for people the financial system forgot. Send money to 50+ countries. Get a free Visa debit card. Accept card payments from your phone. Build credit. And do it all without needing a traditional bank account. 1.7 million people already trust WODI. Here's why. SEND MONEY WORLDWIDE — FAST & CHEAP Send money to mobile wallets, bank accounts, and debit cards in 50+ countries. Africa, Latin America, Europe, the Caribbean — WODI gets your money there in seconds, not days. - $1 flat fee on transfers (vs. 6.5% industry average) - Payout to M-Pesa, Airtel Money, Wave, bank accounts, and debit cards - Track every transfer in real time SEND MONEY BY VOICE OR WHATSAPP Don't want to use an app? Just talk. Send money by texting WhatsApp or speaking to our AI assistant. If you need a human, one picks up in under 60 seconds. We built remittances for people who trust conversation over screens. FREE VISA DEBIT CARD Get a Visa debit card in minutes — no credit check, no minimum balance, no bank account required. Pay online, tap in-store, or withdraw cash at any ATM. Works everywhere Visa is accepted. ACCEPT CARD PAYMENTS Turn your phone into a payment terminal. Accept credit and debit card payments directly from your smartphone — no expensive hardware required. Perfect for small businesses, freelancers, and side hustles. Upgrade to our $99 POS terminal for tap, swipe, and dip payments with a built-in receipt printer. YOUR CORNER STORE = YOUR BANK Need cash? Walk into any WODI Agent store — the barbershop, the pharmacy, the grocery store on your block — and deposit or withdraw cash. 10,000+ agent locations worldwide. No bank branch needed. Become a WODI Agent and earn 20-40% commission on every transaction. Turn your store into a mini-bank for your community. BUILD CREDIT WITH AI No credit history? Fatou, your WODI Financial Advisor builds your financial identity from your transaction history. Every transfer, every payment, every deposit contributes to your financial well being and empowerment. AI-POWERED BUSINESS TOOLS WODI AI agents work as your virtual employees — generating income statements, managing customer interactions, and automating your business operations. One app, an entire back office. WHY 1.7 MILLION PEOPLE CHOSE WODI - Enabled by Visa — 5-year strategic partnership - Live in all 50 US states + 50 countries - Winner, 2025 Microsoft Positive Impact AI Challenge - Backed by Microsoft, NVIDIA, and Washington DC Economic Partnership - Patent-pending technology - 24/7 support via phone, WhatsApp, and in-app chat ONE APP. EVERYTHING YOU NEED. Get Paid — Accept payments to your phone number Store Money — Digital wallet + agent cash-out anywhere Send Money — $1 transfers via app, WhatsApp, text, or voice Pay Anywhere — Visa card accepted worldwide Build Credit — AI-powered financial identity Grow Business — Virtual AI employees Talk to Us — Human support in under 60 seconds Keywords for SEO: Wodi, Wodi Money, Money Transfers, Mobile Money, Card Payments, Payments App, Send Money, Visa Card, Bank Account, Financial Inclusion, Global Money Transfers, Community Banking, Mobile Wallets, Cash Deposits, Withdraw Funds App Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
Xtrm and Wodi Money both sit at 4.5 stars, but that hides the real split: 89% of Wodi Money's written reviews are positive against 40% of Xtrm's. Wodi Money also leads on update cadence (every 3 weeks vs every 2 months). Xtrm's advantage is in-app purchases (none vs 2) and ratings volume (80 vs 18). On price, rating, ads 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. Wodi Money sells 2 in-app purchases, starting at $9.99 per month. Xtrm asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 4.5 for Xtrm against 4.6 for Wodi Money. Both are backed by a comparable volume of ratings — 80 and 18 respectively. Written reviews are what separate them: 40% of Xtrm's written reviews are positive against 89% of Wodi Money's.
Xtrm ships an update every 2 months, Wodi Money every 3 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | Xtrm | Wodi Money |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (80 ratings) | 4.6 (18 ratings) — better |
| Positive reviews | 40.0% of reviews | 88.9% of reviews — better |
| Number of ratings | 80 — better | 18 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 23 MB | 147 MB |
| Age rating | 4+ | 12+ |
| Developer | XTRM Inc | PayCruiser Inc. |
Customer experience
Xtrm
Wodi Money
In-app purchases
Xtrm
No in-app purchases
Wodi Money
- AI Finance Advisor$9.991 Month
- AI Business Advisor$49.991 Month








