Comparison

Switch by Sterling vs Platnova

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

Head to head
About

Switch by Sterling

This financial service app allows for seamless international money transfers, bill payments, and access to savings accounts, investment plans, lending, and insurance. It aims to help users achieve a financially healthy lifestyle with transparent pricing and secure fund management.

Highlights
  • International money transfers
  • Multi-currency savings accounts
  • Investment plans
  • Lending and insurance products
  • Bill payments (airtime, cable, internet)
  • Money requests
  • Secure fund management
Features
Read full description

Switch by Sterling is a free, easy to use financial service application for sending money across borders. Switch gives you access to multi-currency savings accounts, investment plans, lending and insurance products at the best rates, with no extra costs. Download the Switch by Sterling app and begin your journey to a financially healthy lifestyle and future. With Switch by Sterling, you can: ** Send money seamlessly Send money across borders at no extra charge. Send to Switch users for free and to other Nigerian bank accounts for 25 Naira or less. ** Pay your bills with ease Buy airtime, and pay for your cable and internet services locally and internationally. ** Plan for the future Get access to amazing insurance packages. For as low as 3,500 monthly, you get insured for up to 1.2 million yearly. ** Request money Request and receive money with just one link. ** Keep your money safe Switch by Sterling Bank Plc is approved by the Central Bank of Nigeria. All your funds are held in the bank and insured by the Nigeria Deposits Insurance Corporation (NDIC). ** Increase your wealth through investments With Switch, you can invest in various sectors, stock exchange, bonds, real estate, etc. We offer profitable returns on investments.

About

Platnova

This app facilitates global money transfers, secure savings, and bill payments in over 80 countries and 25 currencies. It offers virtual and physical cards for purchases, gift card services, and lifestyle bookings, all secured with advanced authentication and 24/7 support.

Highlights
  • Global money transfers
  • Multi-currency wallet
  • Virtual and physical cards
  • Bill payments and top-ups
  • Gift cards
  • Vault savings
  • Lifestyle services
Features
Read full description

Platnova is your all-in-one finance and lifestyle app, offering seamless money transfers, secure savings, bill payments, and more across 80+ countries and 25+ currencies. Easy Setup Sign up effortlessly with just your name and email to start transferring payments. No bank account or credit card is required to begin transacting. Global Money Transfers Send and receive money instantly to over 80 countries in 25+ currencies, including AED, AUD, USD, GBP, CHF, EUR, NGN, and more. Enjoy competitive exchange rates and multiple payment methods for a hassle-free experience. Multi-Currency Wallet Hold and manage funds in various currencies such as USD, GBP, EUR, and NGN. Easily swap between currencies at favorable rates to suit your needs. Virtual and Physical Cards Create and fund virtual or physical cards for secure online and in-store purchases. Enjoy fast and easy withdrawals via POS and manage your transactions through the Platnova app. Bill Payments and Top-Ups Conveniently pay bills, recharge airtime, and purchase data bundles for various service providers worldwide, all from the comfort of your home or on the go. Gift Cards Purchase and send a wide range of gift cards to friends and family at the best rates. Choose from popular options like PlayStation, Apple, Amazon, and more. Tuition Payments Pay your tuition fees, accommodation, and other bills in any country with no extra fees, ensuring a hassle-free educational experience. Vault Savings Save in your preferred currency with flexible terms and earn competitive interest rates. Choose from short, medium, or long-term savings plans to grow your wealth securely. Lifestyle Services Book flights, hotels, and more with ease. Access over 300 airlines and hotels, and enjoy the convenience of booking now and paying later. Secure and Reliable Your security is our priority. With multi-sig wallets, One-Time Pins (OTPs), and industry-standard authenticators, we ensure your funds are always safe and secure. 24/7 Support Our dedicated support team is always available to assist you. Chat with us directly through the Platnova app for immediate help with any questions or concerns. Experience the future of finance and lifestyle management with Platnova. Download the app today and take control of your financial journey. For more information, visit our website: platnova.com Connect with us on social media: - Facebook: @getplatnova - Twitter: @getplatnova - Instagram: @getplatnova

Screenshots

Switch by Sterling4 screens
Platnova4 screens

Verdict

The call

The clearest difference is rating: Platnova at 4.0 against Switch by Sterling's 2.8. Platnova also leads on review sentiment (69% vs 36%) and update cadence (weekly vs every 6 weeks). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Platnova holds the better App Store score, 4.0 against 2.8. That said, the two scores are not equally well evidenced: Platnova has 183 ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 36% of Switch by Sterling's written reviews are positive against 69% of Platnova's.

UpkeepUpdate frequency

Switch by Sterling ships an update every 6 weeks, Platnova weekly. The most recent releases landed on October 13, 2026 and October 17, 2026 respectively.

Scorecard4 real differences · 6 level
Switch by Sterling versus Platnova: the parameters behind the verdict, then further details
ParameterSwitch by SterlingPlatnova
PriceFreeFree
Rating2.8 (21 ratings)4.0 (183 ratings) — better
Positive reviews36.4% of reviews69.1% of reviews — better
Number of ratings21183 — better
Update frequencyEvery 6 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS14.0 — better15.6
Further details — not scored
Size48 MB224 MB
Age rating4+4+
DeveloperSterling Bank PlcPlatnova

Customer experience

Switch by Sterling

All ratings18 ratings
Positive33.3%
Neutral11.1%
Negative55.6%
Written reviews11 reviews
Positive36.4%
Neutral9.1%
Negative54.5%

Platnova

All ratings183 ratings
Positive74.3%
Neutral2.7%
Negative23.0%
Written reviews152 reviews
Positive69.1%
Neutral0.7%
Negative30.3%

Bugs and requests

Switch by Sterling

Not enough reviews yet to summarise bugs or requests.

Platnova

Reported bugs

3 issues
  • Restricted account access
  • Delayed or missing fund transfers
  • Incompatibility with certain payment methods

Requested features

3 requests
  • Gift card and virtual card purchase options
  • Improved withdrawal and refund process
  • Expanded payment method support

In-app purchases

None

Switch by Sterling

No in-app purchases

None

Platnova

No in-app purchases

Questions

Is Switch by Sterling free?
Switch by Sterling is free to download, with no in-app purchases.
Is Platnova free?
Platnova is free to download, with no in-app purchases.
Which has better reviews, Switch by Sterling or Platnova?
Platnova is rated higher. Switch by Sterling averages 2.8 out of 5 from 21 ratings, while Platnova averages 4.0 from 183 ratings.
Do Switch by Sterling or Platnova have ads?
Neither Switch by Sterling nor Platnova shows ads.
Which is updated more often, Switch by Sterling or Platnova?
Switch by Sterling ships an update every 6 weeks, and Platnova weekly. Most recently, Switch by Sterling was updated on October 13, 2026 and Platnova on October 17, 2026.

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