Comparison

Switch by Sterling vs Qwid

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

Qwid

Send, spend, and manage money globally with ease. This app supports over 60 currencies, offers multi-currency wallets, virtual accounts, and competitive exchange rates. It also provides secure crypto and fiat trading options, making international finance seamless.

Highlights
  • Global money transfers
  • Multi-currency wallets
  • Virtual accounts
  • Competitive exchange rates
  • Crypto and fiat trading
  • Bank-grade security
Features
Read full description

Move money without borders — fast, secure & global. Qwid gives you the power to send, spend, and manage your money across the world, right from your phone. Whether you’re supporting family, settling business payments, or simply moving funds internationally, we’ve got you covered every step of the way. Global Reach. Every Currency. Send money internationally and domestically across 60+ currencies with ease. Hold and manage multiple currency wallets (NGN, USD, GBP, EUR, CAD, ZAR, XOF, XAF, and more). Enjoy competitive exchange rates, transparent pricing, and free peer-to-peer (P2P) transfers within the Qwid network. Multi-currency Wallets & Conversions. Create and fund wallets with local bank transfers. Perform seamless FX conversion between your created virtual wallets. Convert funds between currencies in one tap with real-time, convenient rates. Virtual Accounts. Global Banking. Get named virtual accounts in major currencies (USD, GBP, EUR, NGN). Receive payments to these accounts from anywhere in the world. Fund your wallets or send money using major payment rails like SWIFT, SEPA, ACH, Fedwire, FPS, Interac, and PIX. Access real-time payments (under 2 minutes) for transfers in the UK, Canada, and Nigeria (FPS, Interac, NIP) ₿ Crypto & Fiat Trading (Region Dependent) Buy and sell supported crypto assets and stablecoins (e.g., USDT, USDC, BTC, XRP). Easily swap between your crypto and fiat wallets. Your security is prioritized: 2FA is required to activate trade features. Security You Can Trust. Bank-grade encryption, two-factor authentication (2FA), and biometric login. Secure KYC verification process for compliance and fraud prevention. Your data and money are secured, always. Why Qwid? One app. All your wallets. Global reach. No hidden fees. Everything is clear, upfront, and fair. Ideal for Individuals, Small Businesses, Large Corporates, freelancers, entrepreneurs, remote teams, global families, and modern travellers. Ready to live without boundaries? Download Qwid now and unlock the world of seamless global money movement — hold, exchange, send, receive, and manage currency like never before.

Screenshots

Switch by Sterling4 screens
Qwid4 screens

Verdict

The call

The clearest difference is review sentiment: Qwid at 100% against Switch by Sterling's 36%. Qwid also leads on rating (5.0 vs 2.8) and update cadence (every 2 weeks vs every 6 weeks). Switch by Sterling's advantage is ratings volume (21 vs 3). 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

Qwid holds the better App Store score, 5.0 against 2.8. That said, the two scores are not equally well evidenced: Switch by Sterling has 21 ratings behind it against 3, 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 100% of Qwid's.

UpkeepUpdate frequency

Switch by Sterling ships an update every 6 weeks, Qwid every 2 weeks. The most recent releases landed on June 7, 2026 and September 14, 2026 respectively.

Scorecard4 real differences · 6 level
Switch by Sterling versus Qwid: the parameters behind the verdict, then further details
ParameterSwitch by SterlingQwid
PriceFreeFree
Rating2.8 (21 ratings)5.0 (3 ratings) — better
Positive reviews36.4% of reviews100.0% of reviews — better
Number of ratings21 — better3
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS14.0 — better15.0
Further details — not scored
Size48 MB104 MB
Age rating4+4+
DeveloperSterling Bank PlcBlinqpay Corp

Customer experience

Switch by Sterling

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

Qwid

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Switch by Sterling

No in-app purchases

None

Qwid

No in-app purchases

Questions

Is Switch by Sterling free?
Switch by Sterling is free to download, with no in-app purchases.
Is Qwid free?
Qwid is free to download, with no in-app purchases.
Which has better reviews, Switch by Sterling or Qwid?
Qwid is rated higher. Switch by Sterling averages 2.8 out of 5 from 21 ratings, while Qwid averages 5.0 from 3 ratings.
Do Switch by Sterling or Qwid have ads?
Neither Switch by Sterling nor Qwid shows ads.
Which is updated more often, Switch by Sterling or Qwid?
Switch by Sterling ships an update every 6 weeks, and Qwid every 2 weeks. Most recently, Switch by Sterling was updated on June 7, 2026 and Qwid on September 14, 2026.

Other comparisons