# XacBank vs Netcapital Securities

The clearest difference is update cadence: XacBank at every 3 weeks against Netcapital Securities's every 3 months. XacBank also leads on iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

XacBank ships an update every 3 weeks, Netcapital Securities every 3 months. The most recent releases landed on November 3, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | XacBank | Netcapital Securities |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (57 ratings)](https://appshunter.io/ios/app/xacbank/id1534265552/reviews)** | — |
| Number of ratings | **57** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free | — |
| Size | 141 MB | 82 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Xac Bank](https://appshunter.io/developer/781439024) | [Netcapital Financial Corporation NBFI LLC](https://appshunter.io/developer/1534832852) |

## What reviewers say

### XacBank

[App page](https://appshunter.io/ios/app/xacbank/id1534265552)

Manage your finances with a comprehensive banking app. Perform various transactions, manage accounts, apply for loans, and order cards. New users can onboard digitally without visiting a branch.

**Highlights:** Internal and external bank transfers, Interbank and international money transfers, Bill payments, Account management and opening, Loan applications and management, Card ordering and management, Branch and ATM locator

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### Netcapital Securities

[App page](https://appshunter.io/ios/app/netcapital-securities/id6476916321)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is XacBank free?

XacBank is free to download, with no in-app purchases.

### Is Netcapital Securities free?

Netcapital Securities is free to download, with no in-app purchases.

### Do XacBank or Netcapital Securities have ads?

Neither XacBank nor Netcapital Securities shows ads.

### Which is updated more often, XacBank or Netcapital Securities?

XacBank ships an update every 3 weeks, and Netcapital Securities every 3 months. Most recently, XacBank was updated on November 3, 2026 and Netcapital Securities on October 27, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*