Fundz vs Swirepay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Both ship on a similar rhythm, roughly every 3 weeks. Both last shipped on November 3, 2026.
| Parameter | Fundz | Swirepay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (17 ratings) | 4.7 (3 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 17 — better | 3 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.6 |
| Further details — not scored | ||
| Size | 113 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | Cloud Payments, LLC (Apps) | Swirepay Inc. |
Customer experience
Fundz
Swirepay
In-app purchases
Fundz
No in-app purchases
Swirepay
No in-app purchases







