ABFX vs Kixy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ABFX
This app simplifies opening bank accounts abroad for Thai citizens in the UK and EU. It helps overcome language barriers and complex documentation, offering secure accounts with Mastercard integration for global transactions.
- International account opening
- Overcomes language barriers
- Mastercard integration
- GBP and EUR currency support
- Mobile and computer management
- Secure client accounts
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When talking about open account abroad - Many people might think it is hard and there are some barriers in language and documents when they need to open an account under many restrictions such as your status, Visa status, as well as Credit Score. You have to unsurely estimate that Finance Officer will allow you to open an account or not? And which type of account will you receive? It might unluckily be the account with limited conditions such as cash card for cash machine use only and it cannot do online purchase. Follow by these many conditions i.e. interest rate, Misuse of account using, Fraud protection check. This causes may take customers get risk to be closed their accounts in finally and they cannot reopen under the restrictions and limited of Thai language in UK and EU. We are committed to researching and reaching the great benefit in financial transactions for Thai account system to all Thais in the EU. We succeeded in starting our small business office in 2007 and gave us 7200 million baht in gross sales from overseas remittances for Thai people. We faced the challenging again in the world shocking 'Brexit' that destroyed account system in the UK in the Financial Sector in 2017. We need to be strong in the face of the global crisis and under a great deal of effort, we have become one of the authorized members of Mastercard in the online account business opening a customer account. Our card is available throughout the UK and EU. Client accounts are protected under a Mastercard partner agreement and are freely available worldwide in two major currencies, GBP and EUR. You can manage your account just by touching your mobile phone or computer 24 hours a day to spend the salary to set up monthly expenses such as utilities bills, or to travel abroad and to exchange rate for business proposes.
Kixy
This app integrates your social life with smart financial management. Easily chat, split bills, send money, and manage personal or business finances all in one secure platform. It aims to make financial interactions fun, simple, and connected.
- Social money management
- Bill splitting
- Send cash
- Business customer engagement
- Active fraud monitoring
- 2-Factor Authentication
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All your accounts. All your friends. One place. Kixy is a group money app. Link your UK bank accounts via Open Banking, bring your people into Circles, and see your money and shared money together. Money has memory. Kixy remembers who paid, who owes and what it was for, so your group doesn't have to. ALL YOUR ACCOUNTS IN ONE PLACE Link current accounts, savings and credit cards from different UK banks and see them side by side in one app. Kixy shows what you have, what you've saved and what you owe, kept separate so your balance actually means something. No more switching between banking apps. CONNECTED THROUGH OPEN BANKING Accounts link through Open Banking, the UK's regulated way to connect to your bank. You approve access in your own bank's app, and you can remove it at any time. Kixy does not receive your online banking login details. ALL YOUR FRIENDS IN ONE PLACE Create a Circle for anything you share: a home, a trip, a relationship, a team. Chat, record expenses, and see where everyone stands, no matter which bank you use. SPLIT IT YOUR WAY Equally, by amount, by percentage or by share. Scan a receipt to split it item by item. You decide. ALWAYS CLEAR See who paid, who is owed and what is still outstanding. Gentle reminders keep things moving, so nobody has to chase. SEND MONEY ABROAD Send money internationally in multiple currencies. See the exchange rate and fee before you confirm. No surprises. SECURITY CONTROLS YOU CAN SEE Privacy mode hides your balance with one tap. Face ID, two-factor authentication and device management, all in one place. BUILT FOR REAL LIFE Flatmates sharing bills. Couples managing shared costs. Friends on a trip. Clubs collecting subs. Families supporting each other across borders. All your money. All your friends. One place. Kixy is available to UK residents aged 18 or over. Available banks and account types depend on what each bank supports through Open Banking. Kixy Ltd is registered with the Financial Conduct Authority as a Small Payment Institution (FRN 814005) for money remittance services. Account information and payment initiation services are provided by Yapily Connect Ltd (FRN 827001), authorised by the Financial Conduct Authority, with Kixy Ltd acting as its agent. Registered in England and Wales.
Screenshots
Verdict
The clearest difference is review sentiment: ABFX at 100% against Kixy's 33%. ABFX also leads on update cadence (weekly vs every 2 months). Kixy's advantage is iOS requirement (15.6 vs 17.6). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ABFX ships an update weekly, Kixy every 2 months. The most recent releases landed on November 6, 2026 and November 12, 2026 respectively.
| Parameter | ABFX | Kixy |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (7 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 33.3% of reviews |
| Number of ratings | — | 7 — better |
| Update frequency | Weekly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 17.6 | 15.6 — better |
| Further details — not scored | ||
| Size | 131 MB | 95 MB |
| Age rating | 4+ | 4+ |
| Developer | A&B General (UK) Ltd | Kixy LTD |
Customer experience
ABFX
Kixy
In-app purchases
ABFX
No in-app purchases
Kixy
No in-app purchases








