Comparison

Fundz vs Swirepay

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

Head to head
About

Fundz

Easily manage your money and conduct digital transactions for everyday activities. Send and request funds, create shared monetary funds for events, and securely withdraw your balance to your bank account.

Highlights
  • Send and request money
  • Create shared funds for events
  • Track transactions
  • Withdraw funds to bank account
  • Link multiple cards and bank accounts
  • Receive transaction notifications
Read full description

The Fundz app allows you to manage your funds in a contacless manner and conduct digital transactions for numerous activities in your day-to-day life. Check out all the great features available that we are sure you'll love... SEND AND REQUEST MONEY • Create an account with an email address, bank account, or credit/debit card and start using the Fundz app. • Use your QR code to send or request money right away with Fundz. • Search by email address to find the person you’re looking for. • Fundz keeps track of all your incoming, outgoing, and pending transactions. SHARED FUNDZ • Create a monetary fund for dinners with friends, fundraisers, or any other event. • Invite friends, family, or colleagues to participate in your fund by easily and securely sending money within the app. • Contribute to funds you have been invited to with just a few taps. • Track the progress and see contributions to your funds until you’ve reached your goal. • Use the fund QR code to invite others in. CASH OUT • You can withdraw money from your balance to your bank account any time you want. • Link multiple cards and bank accounts to your Fundz app. • You can load digital balances using a credit/debit card or directly from your bank account. NOTIFICATIONS • Receive push notifications so you won't miss any transaction or invitation.

About

Swirepay

Send and receive money instantly, earning cashback on payments without needing a new card. This service works with major US banks to bypass traditional delays, allowing same-day fund transfers and payments.

Highlights
  • Send and receive money in real-time
  • Earn cashback on payments
  • Same-day fund transfers
  • Works with major US banks
  • Supports POS devices for in-store payments
  • Simplifies B2B payments
Features
Read full description

Swirepay allows you to send and receive money in real time and earn money via cash back without a need for a new card. Swirepay works with major leading banks and acquirers across the U.S. to help avoid the traditional 2-5 day float from ACH from Card transactions and receive money the same day. * SEND MONEY AND EARN * Link your bank account and send money to any vendor or employee along with a descriptive note for easy reconciliation. Use Swirepay to manage your monthly bills, payments and earn up to 1% cashback on all payments sent without a need for a card. * RECEIVE MONEY * Avoid those pesky interchange fees for both consumer and business payments while getting money in your bank account on the same day. * FAST * No more waiting 3-5 days for ACH to clear or 2 business days for card transactions to reach your bank account. Any money received can be sent to your account the same day for a small flat fee up to $10. * PAY IN STORES * Swirepay is supported on major POS devices such as Clover so you can simply scan, pay and go. * PAY ONLINE * Swirepay helps remove the need for manual checks and float from ACH by simplifying B2B payments for small businesses. Sign up today to send and receive B2B payments the same day while avoiding interchange fees and float. Swirepay works with major acquirers and banks in the US to facilitate transactions and is PCI Level 1 Certified, the most stringent level of certification available in the payments industry. Please contact support@swirepay.com for any service related queries and letstalk@swirepay.com to learn more.

Screenshots

Fundz4 screens
Swirepay4 screens

Verdict

The call

The clearest difference is review sentiment: Swirepay at 100% against Fundz's 0%. Swirepay also leads on rating (4.7 vs 3.8). Fundz's advantage is ratings volume (17 vs 3). On price, update cadence, ads and in-app purchases 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

Swirepay holds the better App Store score, 4.7 against 3.8. That said, the two scores are not equally well evidenced: Fundz has 17 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 0% of Fundz's written reviews are positive against 100% of Swirepay's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. Both last shipped on November 3, 2026.

Scorecard3 real differences · 7 level
Fundz versus Swirepay: the parameters behind the verdict, then further details
ParameterFundzSwirepay
PriceFreeFree
Rating3.8 (17 ratings)4.7 (3 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings17 — better3
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size113 MB126 MB
Age rating4+4+
DeveloperCloud Payments, LLC (Apps)Swirepay Inc.

Customer experience

Fundz

All ratings16 ratings
Positive68.8%
Neutral0.0%
Negative31.3%
Written reviews5 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Swirepay

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Fundz

No in-app purchases

None

Swirepay

No in-app purchases

Questions

Is Fundz free?
Fundz is free to download, with no in-app purchases.
Is Swirepay free?
Swirepay is free to download, with no in-app purchases.
Which has better reviews, Fundz or Swirepay?
Swirepay is rated higher. Fundz averages 3.8 out of 5 from 17 ratings, while Swirepay averages 4.7 from 3 ratings.
Do Fundz or Swirepay have ads?
Neither Fundz nor Swirepay shows ads.
Which is updated more often, Fundz or Swirepay?
Fundz ships an update every 3 weeks, and Swirepay every 3 weeks. Most recently, Fundz was updated on November 3, 2026 and Swirepay on November 3, 2026.

Other comparisons