Comparison

Xtrm vs Arival

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

Head to head
About

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.

Highlights
  • 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)
Features
Read full description

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.

About

Arival

A digital banking platform for global businesses and individuals. Open accounts online, manage multiple entities, and conduct seamless domestic and cross-border transactions. Offers enhanced security and premium account options.

Highlights
  • Online account opening
  • Multi-entity account management
  • Domestic and cross-border payments
  • Transaction history tracking
  • Enhanced security features
  • Premium account options
Read full description

Arival is a digital bank for global businesses and individuals. Open your bank accounts 100% online and remotely. Transform your financial experience with our cutting-edge banking tools and join our worldwide community today. GLOBAL CHECKING TO KEEP YOU IN CHECK. Manage your company cash flow through your Arival checking accounts. Under one login, create, manage, and seamlessly toggle between multiple accounts and entities. PAY & GET PAID EFFORTLESSLY. Say hello to your new powerful money movement tool. Make domestic and cross-border transactions to pay suppliers, vendors, and receive payments from clients. Schedule payments, download statements, track and filter transaction history. ONBOARD FROM ACROSS THE GLOBE. EASILY. Arival’s mission is to give businesses and individuals the tools to manage and grow their finances from anywhere in the world. We’ve made our onboarding process simple and seamless. Get started today. LICENSED & REGULATED. Arival Bank is a US-based bank licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF). ENHANCED SECURITY & TRUST. We use 2-Factor Authentication, advanced encryption and perform regular system reviews to keep your data secure. Our safety system is SOC2 compliant, 256 Bit encrypted, and monitored, which means your assets are always safe with Arival Bank. WE'VE GOT YOUR BACK. We have a global team working from nearly ten countries striving to provide you with timely support and the best customer experience. GET FANCY WITH PREMIUM ACCOUNTS. Unlock premium customer support, dedicated account managers, cheaper transactions, and free transfers with Arival premium accounts. Learn more at arival.com

Screenshots

Xtrm4 screens
Arival4 screens

Verdict

The call

The clearest difference is rating: Xtrm at 4.6 against Arival's 3.8. Xtrm also leads on review sentiment (40% vs 0%) and ratings volume (76 vs 10). Arival's advantage is update cadence (every 3 weeks vs every 2 months). 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

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

Xtrm holds the better App Store score, 4.6 against 3.8. That said, the two scores are not equally well evidenced: Xtrm has 76 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 40% of Xtrm's written reviews are positive against 0% of Arival's.

UpkeepUpdate frequency

Xtrm ships an update every 2 months, Arival every 3 weeks. The most recent releases landed on September 16, 2026 and September 18, 2026 respectively.

Scorecard5 real differences · 5 level
Xtrm versus Arival: the parameters behind the verdict, then further details
ParameterXtrmArival
PriceFreeFree
Rating4.6 (76 ratings) — better3.8 (10 ratings)
Positive reviews40.0% of reviews — better0.0% of reviews
Number of ratings76 — better10
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size26 MB126 MB
Age rating4+4+
DeveloperXTRM IncArivalbank

Customer experience

Xtrm

All ratings76 ratings
Positive89.5%
Neutral1.3%
Negative9.2%
Written reviews5 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

Arival

All ratings10 ratings
Positive70.0%
Neutral0.0%
Negative30.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Xtrm

No in-app purchases

None

Arival

No in-app purchases

Questions

Is Xtrm free?
Xtrm is free to download, with no in-app purchases.
Is Arival free?
Arival is free to download, with no in-app purchases.
Which has better reviews, Xtrm or Arival?
Xtrm is rated higher. Xtrm averages 4.6 out of 5 from 76 ratings, while Arival averages 3.8 from 10 ratings.
Do Xtrm or Arival have ads?
Neither Xtrm nor Arival shows ads.
Which is updated more often, Xtrm or Arival?
Xtrm ships an update every 2 months, and Arival every 3 weeks. Most recently, Xtrm was updated on September 16, 2026 and Arival on September 18, 2026.

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