XCel App. vs Solis Finance App
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!
Solis Finance App
A digital banking app designed for informal workers, drivers, traders, entrepreneurs, and students in Ghana. It offers quick account setup, seamless mobile banking for payments and transfers, and real-time financial tracking. Built with advanced security, it provides access to credit and financial services anytime, anywhere.
- Quick account setup in under 5 minutes
- Send/receive money, pay bills, top up airtime
- Real-time transaction tracking and statements
- Secure transactions with advanced protocols
- Access to credit for gig workers and entrepreneurs
- Financial ecosystem for saving and goal achievement
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Solis – Your Smart Digital Bank Solis is licensed and regulated by the Bank of Ghana and a registered member of the Ghana Deposit Protection Corporation. Solis is ISO 27001 certified Solis is your trusted financial partner, built for the fast-paced lives of Ghana’s informal workers, drivers, traders,entrepreneurs, students and Salaried workers. With Solis, you can access essential financial services anytime, anywhere – all from your phone. Key Features: - Quick & Easy Account Set up Create a banking account in less than 5 minutes through the app. No ko na bra, get an instant savings account with Solis. - Seamless Mobile Banking Send and receive money, pay bills, and top up airtime – all in a few taps. - Track Your Finances View your account balance, transactions, target savings, and statements with real-time updates. - Secure & Reliable Your money is safe with Solis. We use advanced security protocols to protect your data and transactions. - Tailored for You Built specifically for gig workers, students, salaried workers, drivers, and small business owners, Solis helps you grow your financial strength with access to credit and more. Why Solis? We are more than just a microfinance – we are a financial ecosystem helping you work smarter, save better, and achieve your goals faster. Download Solis today and take control of your money. Contact us today at +233-59-957-7963/+233-30-395-5178 and www.solisfinance.com for more information
Screenshots
Verdict
The clearest difference is review sentiment: Solis Finance App at 100% against XCel App.'s 29%. Solis Finance App also leads on rating (5.0 vs 3.1) and device support (3 vs 1). XCel App.'s advantage is update cadence (every 9 days vs monthly) and ratings volume (8 vs 1). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Solis Finance App holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: XCel App. has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 29% of XCel App.'s written reviews are positive against 100% of Solis Finance App's.
XCel App. ships an update every 9 days, Solis Finance App monthly. Both last shipped on November 3, 2026.
| Parameter | XCel App. | Solis Finance App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (8 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 29.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 8 — better | 1 |
| Update frequency | Every 9 days — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 15 — better |
| Further details — not scored | ||
| Size | 137 MB | 66 MB |
| Age rating | 4+ | 17+ |
| Developer | XCel INC | SOLIS MICROFINANCE LTD |
Customer experience
XCel App.
Solis Finance App
In-app purchases
XCel App.
No in-app purchases
Solis Finance App
No in-app purchases
Questions
Is XCel App. free?
Is Solis Finance App free?
Which has better reviews, XCel App. or Solis Finance App?
Do XCel App. or Solis Finance App have ads?
Which is updated more often, XCel App. or Solis Finance App?
Other comparisons
