XCel App. vs P3 Money
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
XCel App.
Manage your finances with this app. Send and receive money, pay bills, and buy virtual top-ups instantly. Open an account securely in minutes to start transacting.
- Secure account opening
- Send and receive transfers
- Pay bills
- Buy virtual top-up
- Instant transaction notifications
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Xcel is the financial solution designed for your everyday needs. Open an account securely in minutes and start transacting! With Xcel, get instant notifications on all your transactions when you: • Send and receive transfers using our app. • Pay bills for yourself and your loved ones and • Buy virtual top-up (VTU), All these are made possible at the tap of a button!
P3 Money
Manage international money transfers and finances with ease. Offers cross-border payments, multiple currency accounts, and prepaid cards for individuals and businesses. Enjoy seamless transactions and modern financial tools without visiting a bank.
- Cross-border money transfers
- Multiple currency accounts
- Prepaid banking card
- Currency exchange
- Electronic invoicing
- Biometric authentication
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An innovative way to manage and control your cross-border money transfers. For individuals Send and receive funds to and from your family, friends, and relatives in any supported currency, at any moment. Get a single IBAN number for all your salary, pension and other incoming payments. Access your funds with an easy-to-use prepaid banking card. Perform any operations with your funds, just like with a bank, but better. For businesses Have all your international money operations covered with the use of multiple European IBAN numbers in both SWIFT and SEPA networks, in any of the major currencies we support. Transfer your salary project and everyday business expenses to pre-paid Mastercard cards, issued by Privat3money. Get access to the latest financial technology for businesses in terms of electronic invoicing, merchant tools, currency exchange with low fees, etc. The application offers a single point of interaction, starting from the registration to troubleshooting your problems with our skilled technical support team. None of the actions require visiting a bank or doing useless paperwork. The app offers: -Creation of an account with an IBAN account number from Europe; -Transactions and accounts in multiple currencies; -Currency exchange with competitive rates; -Fast and easy access to international funds transfer; -Issuance of a prepaid banking card; -Set up of mass payouts. Privat3money is a great way to be in control of all your funds and transactions. Your possibilities are limitless: -Convenient signup and setup processes; -Security enhanced by biometric authentication; -Full transaction overview with fast updates; -Guaranteed 24/7 operation; -Instant prepaid card top-up; -Borderless operation. Privat3money provides the most modern financial instruments for settling international money transfers of any kind. More info at https://www.privat3money.com
Screenshots
Verdict
The clearest difference is review sentiment: P3 Money at 100% against XCel App.'s 29%. P3 Money also leads on rating (5.0 vs 3.1) and iOS requirement (13.0 vs 16.6). XCel App.'s advantage is ads (none vs shown) and update cadence (every 9 days vs every 3 weeks). On price, in-app purchases and device support 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.
P3 Money holds the better App Store score, 5.0 against 3.1. Both are backed by a comparable volume of ratings — 8 and 2 respectively. Written reviews point the same way: 29% of XCel App.'s written reviews are positive against 100% of P3 Money's.
XCel App. ships an update every 9 days, P3 Money every 3 weeks. Both last shipped on November 3, 2026.
| Parameter | XCel App. | P3 Money |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (8 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 29.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 8 — better | 2 |
| Update frequency | Every 9 days — better | Every 3 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 137 MB | 62 MB |
| Age rating | 4+ | 4+ |
| Developer | XCel INC | Privat3Money Ltd. |
Customer experience
XCel App.
P3 Money
In-app purchases
XCel App.
No in-app purchases
P3 Money
No in-app purchases
