极简速汇 vs 海外送金 PayForex
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
极简速汇
This app simplifies international money transfers for overseas Chinese, significantly reducing costs, processes, and time. It leverages fintech to connect global payment channels, offering a secure, fast, and cost-effective way to send money back home.
- One-click money transfer
- Fund security with encryption
- Fast arrival (1-3 business days)
- Optimal pricing and exchange rates
- Chinese interface and customer service
- Global compliance and regulation
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「极简速汇」是一款面向海外华人提供小额汇款回国服务的 App。帮助海外华人将汇款回国的成本、流程和时间压缩 80% 以上。 国际汇款每时每刻都在发生。全球个人和小业主每年跨境汇款需求约 10 万亿美元,但国际汇款摩擦成本高居总金额的 5~25%。 海外华人的劳动所得因为高昂费率而遭受损失,我们要改变这一极不合理的事实。 基于互联网和金融科技,极简速汇链接海内外银行和支付渠道,搭建跨区域分发体系,提供有别于传统银行柜台的创新服务,让海外华人享受更低成本、安全便捷的汇款服务。 随时汇,极速达。 *一键汇款 极简速汇最大化地简化汇款流程,您只需几步必要操作就可以汇款回国。完成身份认证后,每次只需输入金额即可一键汇款。 *资金安全 每笔汇款交易将经由境内外银行、支付公司、渠道商等持牌金融机构完成,汇款全程金融级加密,订单状态随时可查。 *快速到账 通过减少中间环节,使用极简速汇汇款一般 1-3 个工作日内可抵达收款账户,个别地区可以实现即时到账。 *最优价格 基于强大的数据智能引擎,极简速汇帮用户搜索全球最优汇率,每笔订单汇出和到账金额一目了然,费率比银行或电汇节省 80%。 *面向华人 极简速汇由中国团队开发,更熟悉华人需求和习惯,尤其对不熟悉当地语言的海外华人来说,中文界面和客服可以方便地确认每一步操作。同时支持日元汇款回中国开具送金证明。 *全球合规监管 极简速汇与全球 35 家银行和持牌金融机构合作,覆盖全球超过 50 个国家和地区。拥有中国香港MSO牌照,具备美国 MSB、日本 FSA、澳大利亚 AFSL、英国 EMI 等全球主要地区的牌照合规能力。接受全球合规监管。 *反洗钱保障 极简速汇以大数据和智能算法技术,协助外汇监管机构负面清单管理,坚决执行反洗钱,保障用户资金安全。 *「极简速汇」是「极简汇率」旗下产品。极简汇率(xCurrency)是提供外汇金融创新服务的互联网平台,专注于用技术解决跨境场景下的外汇难题,让货币流通更简单。 「极简汇率」App 支持超过 210 种法定货币的实时汇率查询和换算,全球累计下载量超过 1.2 亿。
海外送金 PayForex
Send money internationally online with low fees and fast transfer times. Supports over 200 countries and 40 currencies, with funds safeguarded by a security deposit system. Also allows for mobile top-ups and overseas utility bill payments.
- Low-cost international remittances
- Fast transfers (within 24 hours)
- Supports over 200 countries/40 currencies
- Online 24/7 procedures
- Mobile top-ups
- Overseas utility bill payments
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Remit and Pay, more speedy, more secure! PayForex, provides more low-cost/speedy/secure and simple remittance service. And all procedures are supported online and 24/7, wherever you are. ―Low cost remittance Free of charge when sending a large amount remittance (e.g., over 5,000 USD), and we provide real & transparent exchange rate. ―Speedy remittance In principle, fund arrives within 24 hours. ―Currencies/Countries available Remittance to over 200 countries and areas/40 currencies available. ―Fund safeguarded Regulated by Security Deposits system defined in Payment Services Act. Conducting Guarantee Contract of Security Deposits with SMBC, your funds will be well secured. ―Mobile Top up Mobile top-up with about 870 carriers in 151 countries. ―Pay overseas utility bills Payment of overseas utility bills(electricity, water, gas, landline, etc.) can be conveniently paid in Japan.
Screenshots
Verdict
The clearest difference is rating: 海外送金 PayForex at 4.7 against 极简速汇's 4.0. 海外送金 PayForex also leads on review sentiment (97% vs 64%) and ratings volume (62 vs 4). 极简速汇's advantage is iOS requirement (10.3 vs 15.5). On price, update cadence, ads and in-app purchases 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.
海外送金 PayForex holds the better App Store score, 4.7 against 4.0. That said, the two scores are not equally well evidenced: 海外送金 PayForex has 62 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 64% of 极简速汇's written reviews are positive against 97% of 海外送金 PayForex's.
极简速汇 ships an update fortnightly, 海外送金 PayForex every 3 weeks. The most recent releases landed on October 18, 2026 and October 30, 2026 respectively.
| Parameter | 极简速汇 | 海外送金 PayForex |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4 ratings) | 4.7 (62 ratings) — better |
| Positive reviews | 64.2% of reviews | 97.4% of reviews — better |
| Number of ratings | 4 | 62 — better |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 10.3 — better | 15.5 |
| Further details — not scored | ||
| Size | 130 MB | 90 MB |
| Age rating | 4+ | 4+ |
| Developer | TRAVEL TAO LIMITED | Queen Bee Capital Co., Ltd |
Customer experience
极简速汇
海外送金 PayForex
In-app purchases
极简速汇
No in-app purchases
海外送金 PayForex
No in-app purchases









