# Xchanged Guam vs PFC Finance

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.

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.

## The numbers

| Metric | Xchanged Guam | PFC Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (5 ratings)](https://appshunter.io/ios/app/xchanged-guam/id1446525516/reviews)** | [4.8 (57 ratings)](https://appshunter.io/ios/app/pfc-finance/id6740286798/reviews) |
| Number of ratings | 5 | **57** |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 weeks** |
| Monetization | Ad-supported | Ad-supported |
| Size | 46 MB | 197 MB |
| Requires iOS | **15.1** | 18.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [Philippine National Bank](https://appshunter.io/developer/1066651912) | [PERSONAL FINANCE CENTER](https://appshunter.io/developer/1789366397) |

## What reviewers say

### Xchanged Guam

[App page](https://appshunter.io/ios/app/xchanged-guam/id1446525516)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none


### PFC Finance

[App page](https://appshunter.io/ios/app/pfc-finance/id6740286798)

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.

**Highlights:** View Money Certificate balance, Make loan payments, View and save monthly statements, Find branches and ATMs, 4-digit passcode security, Fingerprint/face reader authentication

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Xchanged Guam free?

Xchanged Guam is free to download, with no in-app purchases.

### Is PFC Finance free?

PFC Finance is free to download, with no in-app purchases.

### Which has better reviews, Xchanged Guam or PFC Finance?

Xchanged Guam is rated higher. Xchanged Guam averages 5.0 out of 5 from 5 ratings, while PFC Finance averages 4.8 from 57 ratings.

### Do Xchanged Guam or PFC Finance have ads?

Neither Xchanged Guam nor PFC Finance shows ads.

### Which is updated more often, Xchanged Guam or PFC Finance?

Xchanged Guam ships an update every 2 months, and PFC Finance every 4 weeks. Most recently, Xchanged Guam was updated on November 2, 2026 and PFC Finance on November 8, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*