CBS Personal Mobile App vs Xchanged Guam
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CBS Personal Mobile App
Manage your finances on the go with this mobile banking application. Perform balance inquiries, pay bills, transfer funds, and view transaction history. It offers convenient features like one-click transfers and ATM card management.
- Balance Inquiry
- Bills Payment
- Funds Transfer
- Transaction History
- ATM Card PIN Request
- Account Management
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China Bank Savings Mobile App is a FREE app that lets you access your China Bank Savings Account 24/7 using your smart phone. Manage your finances and do more with China Bank Savings Mobile at your fingertips. * Balance Inquiry * Bills Payment * Funds Transfer * View Transaction History (up to 90 days) * One-Click Fund Transfer * Request for New ATM Card PIN and/or New Internet Banking Passwords * Request for Suspension of ATM Card * Request for Add/Remove Account * Peek Balance * Pre-Login Features China Bank Savings (CBS) is the retail lending arm of China Banking Corporation (China Bank) and one of the largest thrift bank in the country today CBS began operations on September 8, 2008 following the acquisition of Manila Bank by China Bank in 2007. Subsequent mergers with Unity Bank and Planters Development Bank have bolstered CBS’ position as a leading thrift bank in the industry. With over 162 branches nationwide and a strong platform for retail banking, auto, housing, DepEd, and enterprise finance, CBS is able to service the growing needs of the broader consumer and Small and Medium Enterprise (SME) market.
Xchanged Guam
Send money to the Philippines from Guam with ease. This platform allows you to remit funds to multiple Philippine bank accounts or over 10,000 cash pickup locations. Enjoy competitive rates, real-time exchange updates, and secure transactions.
- Send money to Philippine bank accounts
- Cash pickup at 10,000+ locations
- Real-time exchange rates
- Competitive rates and fees
- Secure login and registration
- Manage beneficiaries and e-wallet
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Guam's first mobile remittance platform! Powered by Philippine National Bank! A brand new way to send money to the Philippines! What can you do with Xchanged? - Send money to multiple Philippine bank accounts. - Get cash in over 10,000 pickup locations. Who can you send money to? - Family - Friends - or even yourself! Why Xchanged? - Convenience! Remit anytime, anywhere! - Real-time / updated daily exchange rates - Competitive rates and fees - No additional charge for recipient to pickup cash App features : - secure login and registration - remit on the go - up to date rates on your dashboard - multiple ways to fund your e-wallet - contact page and form - manage your account - manage your beneficiaries Cash payout partners (over 10,000 locations nationwide) : - Philippine National Bank - Villarica Pawnshop - Palawan Express - RD Pawnshop - Cebuana Lhuillier Download the Xchanged app now!
Screenshots
Verdict
The clearest difference is review sentiment: Xchanged Guam at 100% against CBS Personal Mobile App's 5%. Xchanged Guam also leads on rating (5.0 vs 1.3) and update cadence (every 2 months vs every 4 months). CBS Personal Mobile App's advantage is monetization model (free vs ad-supported) and iOS requirement (12.0 vs 15.1). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Xchanged Guam holds the better App Store score, 5.0 against 1.3. Both are backed by a comparable volume of ratings — 12 and 5 respectively. Written reviews point the same way: 5% of CBS Personal Mobile App's written reviews are positive against 100% of Xchanged Guam's.
CBS Personal Mobile App ships an update every 4 months, Xchanged Guam every 2 months. The most recent releases landed on October 24, 2026 and September 23, 2026 respectively.
| Parameter | CBS Personal Mobile App | Xchanged Guam |
|---|---|---|
| Price | Free | Free |
| Rating | 1.3 (12 ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 4.8% of reviews | 100.0% of reviews — better |
| Number of ratings | 12 — better | 5 |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 87 MB | 46 MB |
| Age rating | 4+ | 4+ |
| Developer | China Bank Savings, Inc. | Philippine National Bank |
Customer experience
CBS Personal Mobile App
Xchanged Guam
In-app purchases
CBS Personal Mobile App
No in-app purchases
Xchanged Guam
No in-app purchases
Questions
Is CBS Personal Mobile App free?
Is Xchanged Guam free?
Which has better reviews, CBS Personal Mobile App or Xchanged Guam?
Do CBS Personal Mobile App or Xchanged Guam have ads?
Which is updated more often, CBS Personal Mobile App or Xchanged Guam?
Other comparisons
