Xchanged Guam vs PFC Finance
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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!
PFC Finance
Manage your personal finances with this secure and fast application. View account balances, make loan payments, access statements, and locate branches and ATMs. Secure your account with biometric authentication.
- View Money Certificate balance
- Make loan payments
- View and save monthly statements
- Find branches and ATMs
- 4-digit passcode security
- Fingerprint/face reader authentication
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PFC Finance is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with PFC Finance: View your Money Certificate balance Make loan payments View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the PFC Finance app, you must be enrolled as a (F.I. NAME) digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.
Screenshots
Verdict
The clearest difference is rating: Xchanged Guam at 5.0 against PFC Finance's 4.8. Xchanged Guam also leads on iOS requirement (15.1 vs 18.4). PFC Finance's advantage is update cadence (every 4 weeks vs every 2 months) and ratings volume (57 vs 5). 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.
Xchanged Guam holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: PFC Finance has 57 ratings behind it against 5, so its average is the more settled of the two.
Xchanged Guam ships an update every 2 months, PFC Finance every 4 weeks. The most recent releases landed on November 2, 2026 and November 8, 2026 respectively.
| Parameter | Xchanged Guam | PFC Finance |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (5 ratings) — better | 4.8 (57 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 5 | 57 — better |
| Update frequency | Every 2 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.1 — better | 18.4 |
| Further details — not scored | ||
| Size | 46 MB | 197 MB |
| Age rating | 4+ | 12+ |
| Developer | Philippine National Bank | PERSONAL FINANCE CENTER |
Customer experience
Xchanged Guam
PFC Finance
In-app purchases
Xchanged Guam
No in-app purchases
PFC Finance
No in-app purchases
Questions
Is Xchanged Guam free?
Is PFC Finance free?
Which has better reviews, Xchanged Guam or PFC Finance?
Do Xchanged Guam or PFC Finance have ads?
Which is updated more often, Xchanged Guam or PFC Finance?
Other comparisons
