Switch by Sterling vs Arival
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- International money transfers
- Multi-currency savings accounts
- Investment plans
- Lending and insurance products
- Bill payments (airtime, cable, internet)
- Money requests
- Secure fund management
Read full descriptionHide 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.
Arival
A digital banking platform for global businesses and individuals. Open accounts online, manage multiple entities, and conduct seamless domestic and cross-border transactions. Offers enhanced security and premium account options.
- Online account opening
- Multi-entity account management
- Domestic and cross-border payments
- Transaction history tracking
- Enhanced security features
- Premium account options
Read full descriptionHide full description
Arival is a digital bank for global businesses and individuals. Open your bank accounts 100% online and remotely. Transform your financial experience with our cutting-edge banking tools and join our worldwide community today. GLOBAL CHECKING TO KEEP YOU IN CHECK. Manage your company cash flow through your Arival checking accounts. Under one login, create, manage, and seamlessly toggle between multiple accounts and entities. PAY & GET PAID EFFORTLESSLY. Say hello to your new powerful money movement tool. Make domestic and cross-border transactions to pay suppliers, vendors, and receive payments from clients. Schedule payments, download statements, track and filter transaction history. ONBOARD FROM ACROSS THE GLOBE. EASILY. Arival’s mission is to give businesses and individuals the tools to manage and grow their finances from anywhere in the world. We’ve made our onboarding process simple and seamless. Get started today. LICENSED & REGULATED. Arival Bank is a US-based bank licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF). ENHANCED SECURITY & TRUST. We use 2-Factor Authentication, advanced encryption and perform regular system reviews to keep your data secure. Our safety system is SOC2 compliant, 256 Bit encrypted, and monitored, which means your assets are always safe with Arival Bank. WE'VE GOT YOUR BACK. We have a global team working from nearly ten countries striving to provide you with timely support and the best customer experience. GET FANCY WITH PREMIUM ACCOUNTS. Unlock premium customer support, dedicated account managers, cheaper transactions, and free transfers with Arival premium accounts. Learn more at arival.com
Screenshots
Verdict
The clearest difference is rating: Arival at 3.8 against Switch by Sterling's 2.8. Switch by Sterling's advantage is review sentiment (36% vs 0%) and iOS requirement (14.0 vs 17.0). On price, ratings volume, update cadence and ads 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.
Arival holds the better App Store score, 3.8 against 2.8. Both are backed by a comparable volume of ratings — 21 and 10 respectively. Written reviews complicate that: 36% of Switch by Sterling's written reviews are positive against 0% of Arival's, so the app with the better star average is not the one people write more warmly about.
Switch by Sterling ships an update every 6 weeks, Arival every 3 weeks. The most recent releases landed on June 7, 2026 and September 18, 2026 respectively.
| Parameter | Switch by Sterling | Arival |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (21 ratings) | 3.8 (10 ratings) — better |
| Positive reviews | 36.4% of reviews — better | 0.0% of reviews |
| Number of ratings | 21 — better | 10 |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 14.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 48 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | Sterling Bank Plc | Arivalbank |
Customer experience
Switch by Sterling
Arival
In-app purchases
Switch by Sterling
No in-app purchases
Arival
No in-app purchases
