Comparison

FoneMoney vs CROSS

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

Head to head
About

FoneMoney

Send money internationally with ease and competitive rates. Track your transfers in real-time and choose from various payout options like bank deposit, wallet transfer, or cash pickup. This service is designed for migrants and those sending funds to loved ones abroad.

Highlights
  • Real-time money transfers
  • Competitive fees and rates
  • Intuitive platform
  • Real-time transfer tracking
  • Multiple transfer modes (bank, wallet, cash pickup)
Read full description

FoneMoney is a fast-growing fintech based remittance service provider licensed by the Ministry of Strategy and Finance, Republic of Korea. FoneMoney allows users to send money home with ease in real-time. Fonemoney is crafted by individuals with over 50 cumulative years of experience in money transfer services and financial technology, who have themselves wandered beyond their homeland, embraced the struggles and aspirations of migrants firsthand. With FoneMoney, it's not just about sending money; it's about honoring the journey, understanding the nuances, and meeting the needs of those who call the world their home. Send Money with ease: Send money effortlessly with our intuitive platform because empowering your loved ones is just a click away. Best fees and rates: Maximize your money’s worth. Transfer smarter and watch your savings soar. Track your transfers: Take control of your finances with real-time tracking of your transfer history. All transfer modes: Experience the freedom to transfer your funds your way, instantly - be it bank deposit, wallet transfer or cash pick up.

About

CROSS

This financial app helps foreigners in Korea manage their money. It offers international remittances, domestic transfers, offline payments, and public transportation access via a prepaid card. Enjoy competitive exchange rates, low fees, and multilingual customer support.

Highlights
  • International Remittance
  • Domestic Transfers
  • Offline Payments
  • Public Transportation Card
  • Prepaid Wallet Card
  • Competitive Exchange Rates
  • Multilingual Support
Features
Read full description

With 20,000 real user reviews and a 4.8 rating, CROSS is the essential financial app for foreigners in Korea! CROSS is now better than ever. With just one CROSSPAY card, you can handle overseas remittances, domestic transfers, offline payments, and public transportation—all in one place. For everyday life in Korea, CROSS is the must-have app for foreigners! Check it out now. *Some features may be limited depending on nationality, country of residence, identity verification results, or applicable laws and regulations. [NEW] Make life in Korea easier with the CROSSPAY Prepaid Wallet Card Meet CROSSPAY, a prepaid card made for foreigners in Korea that’s easy and quick to issue. Simply top up and start using it right away. Domestic Transfers: Receive money from friends or colleagues and transfer it directly to a domestic bank account. Offline Payments: Use your prepaid card for online and offline payments at stores nationwide, including convenience stores, supermarkets, and restaurants. Transportation Card: Simply tap and ride on buses, subways, and other public transportation. CROSS Shop Integration: Pay with CROSSPAY in just one second and enjoy special deals on CROSS Shop. With one CROSSPAY card, domestic transfers, offline payments, and transportation are all easier and more convenient for everyday life in Korea. CROSS, the essential app for foreigners living in Korea, brings it all together—from a prepaid card and transportation card to convenient everyday payments. [KEY SERVICES] Fast & Secure International Remittance with CROSS Trusted by over 2 million foreigners in Korea ■ Competitive Exchange Rates & Low Fees With preferential exchange rates, CROSS helps you send more money to your family back home. International remittance fees are 5,000 KRW or less for all countries, and your first remittance is free. Enjoy both better exchange rates and low fees. ■ Fast & Easy Sign-Up Anyone can complete registration in just five (5) minutes with an ID or passport. You can apply for an international remittance even without a bank account or with an expired passport. With your saved information, repeat transfers can be completed in just one (1) minute. ■ Safe & Trusted CROSS CROSS is a government-licensed international remittance provider in Korea (License No. 2020-2). When you send money through the app, the recipient safely receives the exact amount confirmed at the time of application. ■ Multilingual Customer Support Our multilingual customer support team is here to help. Whether you have questions about prepaid cards designed for foreigners or international remittances, feel free to contact us anytime. ■ CROSS Shop Shopping in Korea can be challenging, but CROSS Shop makes it easier. Shop in your own language and ask questions with ease. Find popular Korean products as well as products you know and love from your home country—all in one place. CROSS is the essential app for foreigners living in Korea. From preferential exchange rates on international remittances to CROSSPAY, enjoy domestic transfers, offline payments, transportation, and shopping—all in one app. Make everyday life in Korea easier and more convenient with CROSS! [Customer Support Center] - Telephone Inquiry: 1670-2624 - Address: 22 Hakdong-ro 7-gil, Gangnam-gu, Seoul [Service access rights] ■ (Optional) Camera: You can attach a photo or use functions such as QR code scanning. ■ (Optional) Album: You can import photos stored on the device and use functions such as address entry and QR code scanning. ■ (Optional) Microphone: Customer center telephone connection is available. ■ (Optional) Biometric information: It can be used as a means of self-authentication when logging in and making payments. ■ (Optional) Location: Based on the current location information, you can use automatic address entry and find a nearby convenience store function.

Screenshots

FoneMoney4 screens
CROSS4 screens

Verdict

The call

The clearest difference is rating: CROSS at 4.9 against FoneMoney's 4.3. CROSS also leads on update cadence (every 2 weeks vs every 6 weeks) and ratings volume (113 vs 9). 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

CROSS holds the better App Store score, 4.9 against 4.3. That said, the two scores are not equally well evidenced: CROSS has 113 ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 89% of FoneMoney's written reviews are positive against 99% of CROSS's.

UpkeepUpdate frequency

FoneMoney ships an update every 6 weeks, CROSS every 2 weeks. The most recent releases landed on November 2, 2026 and November 6, 2026 respectively.

Scorecard4 real differences · 6 level
FoneMoney versus CROSS: the parameters behind the verdict, then further details
ParameterFoneMoneyCROSS
PriceFreeFree
Rating4.3 (9 ratings)4.9 (113 ratings) — better
Positive reviews88.9% of reviews99.4% of reviews — better
Number of ratings9113 — better
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size67 MB180 MB
Age rating12+4+
DeveloperFoneMoney Co., Ltd.CROSS ENF INC.

Customer experience

FoneMoney

All ratings9 ratings
Positive77.8%
Neutral11.1%
Negative11.1%
Written reviews9 reviews
Positive88.9%
Neutral0.0%
Negative11.1%

CROSS

All ratings110 ratings
Positive98.2%
Neutral0.0%
Negative1.8%
Written reviews343 reviews
Positive99.4%
Neutral0.0%
Negative0.6%

Bugs and requests

FoneMoney

Not enough reviews yet to summarise bugs or requests.

CROSS

Reported bugs

3 issues
  • Initial screen requires extra step to close country selection
  • Occasional slow notification delivery
  • Point expiration date confusion

Requested features

3 requests
  • Improve initial screen flow for country selection
  • Faster cancellation and re-deposit for failed transfers
  • More clarity on point expiration dates

In-app purchases

None

FoneMoney

No in-app purchases

None

CROSS

No in-app purchases

Questions

Is FoneMoney free?
FoneMoney is free to download, with no in-app purchases.
Is CROSS free?
CROSS is free to download, with no in-app purchases.
Which has better reviews, FoneMoney or CROSS?
CROSS is rated higher. FoneMoney averages 4.3 out of 5 from 9 ratings, while CROSS averages 4.9 from 113 ratings.
Do FoneMoney or CROSS have ads?
Neither FoneMoney nor CROSS shows ads.
Which is updated more often, FoneMoney or CROSS?
FoneMoney ships an update every 6 weeks, and CROSS every 2 weeks. Most recently, FoneMoney was updated on November 2, 2026 and CROSS on November 6, 2026.

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