Comparison

Switch by Sterling vs Fxbud

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

Fxbud

This app facilitates affordable and efficient cross-border money transfers, specifically designed for African immigrants. It aims to remove financial barriers through technology and partnerships, offering secure and cost-effective remittance services.

Highlights
  • Cross-border financial services
  • International remittance
  • Affordable money transfers
  • Efficient money transfers
  • Secure financial services
  • Cost-effective services
Read full description

We’re a digital cross-border financial service provider for international remittance. Our mission is to provide African Immigrants with a seamless, affordable, and efficient cross-border money transfer platform. We aim to eliminate barriers through innovative technology and strategic partnerships, enabling every individual to access secure and cost-effective services. We are constantly striving to improve our services so that we can always exceed our customers' expectations.

Screenshots

Switch by Sterling4 screens
Fxbud4 screens

Verdict

The call

The clearest difference is review sentiment: Fxbud at 100% against Switch by Sterling's 36%. Fxbud also leads on rating (4.8 vs 2.8) and update cadence (every 2 weeks vs every 6 weeks). Switch by Sterling's advantage is ratings volume (21 vs 4). 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

Fxbud holds the better App Store score, 4.8 against 2.8. That said, the two scores are not equally well evidenced: Switch by Sterling has 21 ratings behind it against 4, 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 Fxbud's.

UpkeepUpdate frequency

Switch by Sterling ships an update every 6 weeks, Fxbud 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 Fxbud: the parameters behind the verdict, then further details
ParameterSwitch by SterlingFxbud
PriceFreeFree
Rating2.8 (21 ratings)4.8 (4 ratings) — better
Positive reviews36.4% of reviews100.0% of reviews — better
Number of ratings21 — better4
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.0
Further details — not scored
Size48 MB105 MB
Age rating4+17+
DeveloperSterling Bank PlcFxbud Limited

Customer experience

Switch by Sterling

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

Fxbud

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews12 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Switch by Sterling

No in-app purchases

None

Fxbud

No in-app purchases

Questions

Is Switch by Sterling free?
Switch by Sterling is free to download, with no in-app purchases.
Is Fxbud free?
Fxbud is free to download, with no in-app purchases.
Which has better reviews, Switch by Sterling or Fxbud?
Fxbud is rated higher. Switch by Sterling averages 2.8 out of 5 from 21 ratings, while Fxbud averages 4.8 from 4 ratings.
Do Switch by Sterling or Fxbud have ads?
Neither Switch by Sterling nor Fxbud shows ads.
Which is updated more often, Switch by Sterling or Fxbud?
Switch by Sterling ships an update every 6 weeks, and Fxbud every 2 weeks. Most recently, Switch by Sterling was updated on June 7, 2026 and Fxbud on September 14, 2026.

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