# Fundz vs Swirepay

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.

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.

## The numbers

| Metric | Fundz | Swirepay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (17 ratings)](https://appshunter.io/ios/app/fundz/id1540851029/reviews) | **[4.7 (3 ratings)](https://appshunter.io/ios/app/swirepay/id1637926002/reviews)** |
| Number of ratings | **17** | 3 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 113 MB | 126 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cloud Payments, LLC (Apps)](https://appshunter.io/developer/1512007607) | [Swirepay Inc.](https://appshunter.io/developer/1619088455) |

## What reviewers say

### Fundz

[App page](https://appshunter.io/ios/app/fundz/id1540851029)

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

**In-app purchases:** none


### Swirepay

[App page](https://appshunter.io/ios/app/swirepay/id1637926002)

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

**In-app purchases:** none


## Frequently asked 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.

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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.*