Comparison

Tamsey vs TopRate Transfer

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Tamsey

Easily send money internationally at minimal cost. Stay connected with loved ones abroad by facilitating transparent exchange rates and secure transfers. Supports various delivery methods like bank deposit, mobile money, and cash pick-up.

Highlights
  • International money transfers
  • Transparent exchange rates
  • No hidden fees
  • Multiple delivery methods
  • Secure transactions
  • Real-time transaction tracking
Features
Read full description

Transfer money internationally easily, quickly, and most importantly, at a minimal cost. Tamsey allows you to remain financially connected with friends and family abroad. Tamsey’s money transfer app is here to serve international workers and students, businesses, holidaymakers, and even more to get a transparent exchange rate on their international transfers with no hidden fees. Here’s how it works: 1. Download the app 2. Create an account in less than 2 minutes 3. Select the country you would like to send money to 4. Confirm the delivery method: bank deposit, mobile money, and cash pick-up 5. Add the recipient’s details 6. Select your settlement method 7. Done! Send money safely and securely Tamsey is authorized by the FCA and approved by government regulators in all the countries in which we operate. We have invested heavily in our innovative Money Transfer System to ensure that your money and data are always secured. Our instant notifications allow you to track your transactions in real-time. Resolve the following problems using Tamsey’s Money Transfer App: • Send money to family members abroad • Send money to a friend abroad • Pay school fees for family members • Pay bills in another country • Repay debts abroad For more information, please visit our website: www.tamseyfs.com

About

TopRate Transfer

Send money from Australia and New Zealand to Nigeria, Ghana, and Kenya with transparent exchange rates and low fees. Track transfers live, set rate alerts, and pay easily via PayID. Securely send funds for family needs or monthly support.

Highlights
  • Transparent fees and exchange rates
  • Live transfer tracking
  • Rate alerts
  • PayID integration
  • Bank account and mobile money delivery
  • Secure sign-in options
  • Refer-a-friend rewards
Features
Read full description

Send money from Australia and New Zealand to Nigeria, Ghana and Kenya at great exchange rates, with low fees you can see before you pay. TopRate Transfer is built for families and friends who send money home, whether that's school fees, rent, a wedding or support every month. SEE EXACTLY WHAT ARRIVES Enter an amount in AUD and see the exchange rate, our fee and the exact amount your recipient gets in naira (NGN), cedi (GHS) or shilling (KES), before you confirm. No hidden charges. PAY THE EASY WAY Pay with PayID straight from your Australian bank account. DELIVERY THAT SUITS YOUR FAMILY Send to a bank account, or to a mobile money wallet in Ghana and Kenya. TRACK EVERY TRANSFER Follow your transfer live, from payment to delivery, and get a notification when it arrives. NEVER MISS A GOOD RATE Set a rate alert for AUD to NGN, GHS or KES and we'll tell you when the rate hits your target. SEND AGAIN IN ONE TAP Save your recipients and repeat a transfer in seconds. SECURE BY DESIGN • Sign in with Face ID, Touch ID or a passkey • Identity verification keeps your account and your money safe • Your personal data is encrypted REWARDS Earn rewards and invite friends with refer-a-friend offers. HELP WHEN YOU NEED IT Get help in the app, or chat with our support team on WhatsApp. MORE COUNTRIES COMING SOON We're adding more countries across Africa, Asia and the Pacific, and sending from New Zealand. ABOUT US TopRate Transfer is a trading name of Top Rate Transfer Pty Ltd (ACN 641 161 444), an Australian business registered with AUSTRAC as a remittance service provider. Download TopRate Transfer and send money home today.

Screenshots

Tamsey4 screens
TopRate Transfer4 screens

Verdict

The call

The clearest difference is iOS requirement: Tamsey at 15.1 against TopRate Transfer's 17.0. On price, rating, ratings volume and update cadence 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

On the App Store both sit at effectively the same score — 5.0 for Tamsey against 5.0 for TopRate Transfer. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

UpkeepUpdate frequency

Tamsey ships an update weekly, TopRate Transfer every 9 days. The most recent releases landed on October 14, 2026 and October 30, 2026 respectively.

Scorecard1 real difference · 9 level
Tamsey versus TopRate Transfer: the parameters behind the verdict, then further details
ParameterTamseyTopRate Transfer
PriceFreeFree
Rating5.0 (2 ratings)5.0 (1 ratings)
Positive reviews—0.0% of reviews
Number of ratings2 — better1
Update frequencyWeekly — betterEvery 9 days
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better17.0
Further details — not scored
Size44 MB102 MB
Age rating4+17+
DeveloperTamseyTop Rate Transfer Pty Ltd

Customer experience

Tamsey

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

TopRate Transfer

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Tamsey

No in-app purchases

None

TopRate Transfer

No in-app purchases

Questions

Is Tamsey free?
Tamsey is free to download, with no in-app purchases.
Is TopRate Transfer free?
TopRate Transfer is free to download, with no in-app purchases.
Which has better reviews, Tamsey or TopRate Transfer?
Tamsey and TopRate Transfer are both rated 5.0 out of 5 on the App Store, from 2 and 1 ratings respectively.
Do Tamsey or TopRate Transfer have ads?
Neither Tamsey nor TopRate Transfer shows ads.
Which is updated more often, Tamsey or TopRate Transfer?
Tamsey ships an update weekly, and TopRate Transfer every 9 days. Most recently, Tamsey was updated on October 14, 2026 and TopRate Transfer on October 30, 2026.

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