Comparison

Switch by Sterling vs Zedcrest Wealth

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

Zedcrest Wealth

Grow your money with Nigeria's leading savings and investment app. Earn rewards on all financial actions, from flexible savings to automated investments. Features include target savings, locked deposits, and multi-currency wallets for secure financial growth.

Highlights
  • Flexible savings with early withdrawal
  • Target savings for financial goals
  • Locked savings for discipline
  • Automated savings and investment
  • Mutual funds and Treasury Bills
  • Multi-currency wallets
  • Game Center and finance quizzes
Features
Read full description

Your trusted partner that helps you grow, invest, and learn about money. The best investment app on the planet! Zedcrest Wealth is a wealth management app designed to help you grow your money, hit your financial goals, and earn rewards along the way. As an SEC-licensed asset management firm, we give you access to a secure, regulated platform to build real, lasting wealth. Product offerings and key features: Plan for your short-term and long-term goals: Wealth Box: Build an emergency plan without restrictions, withdraw anytime, and earn competitive interest rates. Link your debit card for seamless automated deposits. Aspire: Got a big goal? Set a target, pick a timeline, and set up auto-deposits to smash your targets! Vault: Build discipline with a strict plan. Lock your funds until maturity and watch your money grow untouched. No withdrawals, no exceptions. Auto-deposits & auto-reminders: Add your debit card to stay consistent with automated deposits. Get scheduled push notifications and email reminders that keep you on track. Invest and build wealth smarter: Mutual funds: Explore a range of short-term, low-risk investments in local and global markets, carefully curated for steady growth. Fixed-income investments: Earn steady, predictable returns through short-term, low-risk instruments. Choose from government-backed treasury bills or commercial papers and let your capital work for you. Ethical portfolio: Invest in line with your beliefs and values. Our ethical portfolio offers stable returns while supporting responsible and principled businesses. Stocks: Buy and sell NGN and US stocks with ease. Seamlessly switch between your asset management and stockbroking profiles, all in one app. Auto-invest: Set it and forget it. Automate your investments and stay focused on what matters most to you. Turn your phone into a digital wallet: Store money in your Wallet within the app. Fund your growth plans and investments in naira and dollars. Get local and global opportunities, right at your fingertips. Withdraw funds seamlessly from your Wallet to your naira or dollar bank account. Know your investment personality: Take our Risk Assessment Test to discover your investment personality. Answer a few quick questions and get personalized investment recommendations tailored to your goals and risk appetite. Sharpen your financial skills Zedcrest Wealth Academy: Level up your financial knowledge with bite-sized lessons on investing and personal finance. The more you learn, the better decisions you make. Weekly Finance Quiz & Tournaments: Test your financial know-how every week and sharpen your money mindset. Tournaments: Create or join tournaments to compete with friends and others on all things finance. Financial Insights: Stay up to date with the latest financial and economic news, curated for the everyday investor. Earn rewards and have fun Game Center: Turn every action into a reward. Earn coins for investing, referring friends, top-ups, and more. The more active you are, the more coins you earn. Gift Shop: Redeem your coins for discount vouchers on food, transport, and entertainment. Communities & Buddies: Investing is better with friends. Invite friends, share goals, and grow together.

Screenshots

Switch by Sterling4 screens
Zedcrest Wealth4 screens

Verdict

The call

The clearest difference is rating: Zedcrest Wealth at 4.5 against Switch by Sterling's 2.8. Zedcrest Wealth also leads on review sentiment (75% vs 36%) and update cadence (every 3 weeks 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

Zedcrest Wealth holds the better App Store score, 4.5 against 2.8. Both are backed by a comparable volume of ratings — 21 and 99 respectively. Written reviews point the same way: 36% of Switch by Sterling's written reviews are positive against 75% of Zedcrest Wealth's.

UpkeepUpdate frequency

Switch by Sterling ships an update every 6 weeks, Zedcrest Wealth every 3 weeks. The most recent releases landed on June 7, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
Switch by Sterling versus Zedcrest Wealth: the parameters behind the verdict, then further details
ParameterSwitch by SterlingZedcrest Wealth
PriceFreeFree
Rating2.8 (21 ratings)4.5 (99 ratings) — better
Positive reviews36.4% of reviews75.0% of reviews — better
Number of ratings2199 — better
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS14.013.0 — better
Further details — not scored
Size48 MB122 MB
Age rating4+17+
DeveloperSterling Bank PlcZedcrest capital

Customer experience

Switch by Sterling

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

Zedcrest Wealth

All ratings99 ratings
Positive87.9%
Neutral5.1%
Negative7.1%
Written reviews8 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

None

Switch by Sterling

No in-app purchases

None

Zedcrest Wealth

No in-app purchases

Questions

Is Switch by Sterling free?
Switch by Sterling is free to download, with no in-app purchases.
Is Zedcrest Wealth free?
Zedcrest Wealth is free to download, with no in-app purchases.
Which has better reviews, Switch by Sterling or Zedcrest Wealth?
Zedcrest Wealth is rated higher. Switch by Sterling averages 2.8 out of 5 from 21 ratings, while Zedcrest Wealth averages 4.5 from 99 ratings.
Do Switch by Sterling or Zedcrest Wealth have ads?
Neither Switch by Sterling nor Zedcrest Wealth shows ads.
Which is updated more often, Switch by Sterling or Zedcrest Wealth?
Switch by Sterling ships an update every 6 weeks, and Zedcrest Wealth every 3 weeks. Most recently, Switch by Sterling was updated on June 7, 2026 and Zedcrest Wealth on September 24, 2026.

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