Comparison

USI Money vs Universal Exchange

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

Head to head
About

USI Money

Easily send money overseas from your mobile device. Track transfers, check rates, and receive secure confirmations for peace of mind. Supports numerous currencies and payout options.

Highlights
  • Send money internationally
  • Track transfers
  • Check exchange rates and fees
  • Create beneficiaries
  • Access transfer history
  • Bank deposit and cash pickup options
Features
Read full description

We are USI Money and fluent in remittance. Our Remittance App is built to make the whole process of sending money overseas quicker, safer and easier for you, whether you are at home, in the office or on the go directly from your mobile or tablet. Sending money online to your friends and family around the globe couldn’t be easier! Our payout coverage is currently available in 5 continents around the world – If your desired destination is not on our list yet, no worries, we are working on adding more. Why spend your time sitting and waiting for a broker to give you a rate when you can do it yourself 24/7 within minutes from the palm of your hands. If you need to help expats pay off, for instance, loans abroad and school fees or your family maintenance bills securely and conveniently and at a very low cost, give us a try. Your transfer can be sent as a bank deposit, cash pick-up, or mobile transfer depending on the beneficiary location and country you are sending. To give you assurance and peace of mind, you will receive email updates and SMS confirmations, so you know your funds have been delivered securely. Our industry-leading technology protects your money and we’re licensed by the UK’s financial regulators, The Financial Conduct Authority (FCA), so you can be sure we meet the highest possible values – rest assured, your money is safe and secure with USI Money. The USI Money app allows the user to: β€’ Create an account β€’ Send Money β€’ Track transfers β€’ Create beneficiaries β€’ Check exchange rates and fees β€’ Access transfer history Each USI Money user has: * Online access available 24/7 from the comfort of your home * Bank deposit and cash pickup at numerous locations * Bank transfer or debit card funding options * Low-cost fees displayed upfront Send money to: AED (UAE Dirham) BDT (Bangladeshi Taka) BHD (Bahrain) BWP (Botswana) CNY (China) GHS (Ghana) IDR (Indonesian Rupiah) INR (Indian Rupee) KES (Kenyan Shilling) MAD (Morocco) MWK (Malawi) MYR (Malaysian Ringgit) MZN (Mozambique) NPR (Nepal) NGN (Nigerian Naira) PHP (Philippine Peso) PKR (Pakistan Rupee) RWF (Rwanda) SGD (Singapore Dollar) TRY (Turkey) UGX (Uganda) ZAR (South Africa) ZWD (Zimbabwe) And many more... About USI Money: USI Money is a trading name of Universal Securities and Investments (FRN 574754) and is involved in corporate & individual money transfers. Reach us @ www.usimoney.com Questions or Feedback: feedback@usimoney.com Like us on Facebook: https://www.facebook.com/universalsimoney/ Follow us on Twitter: https://twitter.com/USI_MONEY For telephone queries, contact us on: 0203 327 7780

About

Universal Exchange

Features
Read full description

Send money to your loved one quickly and easily, at the lowest possible cost with Universal Exchange Ltd. And always get the real exchange rate. Universal Exchange Ltd are using the real exchange rate to help expats, foreign students, businesses, freelancers and people living international lives to send, receive, and spend money securely, conveniently, and at a very low cost. Β· Send money to Asia, Europe, and Africa Β· Register for free, and you will be able to send money abroad. . Download our app for free from the store. Β· Spend abroad, stress-free with 0% commission. Β· Trusted by Thousands β€” just look us up on internet to see our happy reviews. . Universal Exchange Ltd is fully regulated, so your money’s safe and secure. Using Universal Exchange Ltd to: - You can send money to a your loved one abroad. - You can send money to a friend - You Pay a bill in abroad. - Pay off your mortgage or loan abroad in any currency EUR, USD, GBP, AED. - Get paid in multiple currencies (EUR, GBP, AED, USD, PKR, AFN), with no hidden fee.

Screenshots

USI Money4 screens
Universal Exchange4 screens

Verdict

The call

The clearest difference is update cadence: Universal Exchange at every 9 days against USI Money's every 4 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

USI Money ships an update every 4 weeks, Universal Exchange every 9 days. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

Scorecard1 real difference Β· 7 level
USI Money versus Universal Exchange: the parameters behind the verdict, then further details
ParameterUSI MoneyUniversal Exchange
PriceFreeFree
Positive reviews75.0% of reviewsβ€”
Update frequencyEvery 4 weeksEvery 9 days β€” better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPad, iPod β€” better
Requires iOS13.013.0
Further details β€” not scored
Size19 MB82 MB
Age rating4+17+
DeveloperUniversal Securities & Investments LimitedUniversal Exchange LTD

In-app purchases

None

USI Money

No in-app purchases

None

Universal Exchange

No in-app purchases

Questions

Is USI Money free?
USI Money is free to download, with no in-app purchases.
Is Universal Exchange free?
Universal Exchange is free to download, with no in-app purchases.
Do USI Money or Universal Exchange have ads?
Neither USI Money nor Universal Exchange shows ads.
Which is updated more often, USI Money or Universal Exchange?
USI Money ships an update every 4 weeks, and Universal Exchange every 9 days. Most recently, USI Money was updated on October 24, 2026 and Universal Exchange on October 9, 2026.

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