Comparison

VFX Financial vs Kixy

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

Head to head
About

VFX Financial

Features
Read full description

View and manage your business finances from anywhere. The VFX Financial app gives complex organisations direct access to their accounts, payments, and foreign exchange, all in one place. Approve payments on the go Review, create and authorise payments quickly and securely, without needing to be on your desktop device. Book FX trades Access VFX's foreign exchange capabilities and book trades directly from your mobile. Multi-currency accounts & banking View balances, monitor transactions, and manage your money across currencies. Robust security Secure login with biometric authentication, Face ID and Touch ID supported. VFX Financial is authorised and regulated by the UK Financial Conduct Authority (FRNs 592260 and 900530). VFX Financial DIFC Limited is regulated by the Dubai Financial Services Authority (F010820). VFX Financial Canada Inc. is registered with FINTRAC (M15149166) and as a Money Services Business in Québec (No. 21165). Learn more at vfxfinancial.com.

About

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.

Highlights
  • Social money management
  • Bill splitting
  • Send cash
  • Business customer engagement
  • Active fraud monitoring
  • 2-Factor Authentication
Features
Read full description

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

VFX Financial4 screens
Kixy4 screens

Verdict

The call

VFX Financial and Kixy are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

UpkeepUpdate frequency

VFX Financial ships an update monthly, Kixy every 2 months. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.

ScorecardNo meaningful differences
VFX Financial versus Kixy: the parameters behind the verdict, then further details
ParameterVFX FinancialKixy
PriceFreeFree
Rating—5.0 (7 ratings) — better
Positive reviews—33.3% of reviews
Number of ratings—7 — better
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.6 — better
Further details — not scored
Size62 MB95 MB
Age rating4+4+
DeveloperVFX PLCKixy LTD

In-app purchases

None

VFX Financial

No in-app purchases

None

Kixy

No in-app purchases

Questions

Is VFX Financial free?
VFX Financial is free to download, with no in-app purchases.
Is Kixy free?
Kixy is free to download, with no in-app purchases.
Do VFX Financial or Kixy have ads?
Neither VFX Financial nor Kixy shows ads.
Which is updated more often, VFX Financial or Kixy?
VFX Financial ships an update monthly, and Kixy every 2 months. Most recently, VFX Financial was updated on October 21, 2026 and Kixy on October 24, 2026.

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