Rova App vs Kixy

Open a multi-currency account (GBP, NGN & USD) in just a few taps. Rova helps you hold, move, and manage money across borders simply and securely. From everyday spending to longer-term plans, everything you need lives in one thoughtfully designed app. Whether you’re earning internationally, paying bills, or planning ahead, Rova keeps your finances organised and in your control. What you can do with Rova Hold & Move Money Globally Send and receive money locally and internationally with ease. Manage multiple currencies in one place and make cross-border payments without unnecessary delays or hidden charges. Save Intentionally Create a Savings Vault (in Naira & British Pounds) to set money aside for what matters and earn competitive interest. Spend with Ease Pay bills, subscriptions, and everyday essentials directly in the app. No switching platforms. Support When You Need It Get help anytime through in-app chat and responsive customer support. Why Rova Regulated & Trusted Rova operates under FCA and CBN regulations and is backed by FCMB Bank (UK) Limited. Your Money, Fully Protected GBP and USD balances are covered by the UK’s Financial Services Compensation Scheme (FSCS), while NGN funds are protected by the Nigeria Deposit Insurance Corporation (NDIC). Certified Security Standards We’re ISO 27001 certified and PCI DSS compliant, meeting globally recognised security standards. Built-in Protection Enjoy biometric login (Face ID / Fingerprint), device controls, and advanced fraud prevention - all designed to keep your money and data safe. Download Rova and experience money that’s borderless, effortless, and designed for modern life.

All your accounts. All your friends. One place. Kixy is a group money app. Link your UK bank accounts via Open Banking, bring your people into Circles, and see your money and shared money together. Money has memory. Kixy remembers who paid, who owes and what it was for, so your group doesn't have to. ALL YOUR ACCOUNTS IN ONE PLACE Link current accounts, savings and credit cards from different UK banks and see them side by side in one app. Kixy shows what you have, what you've saved and what you owe, kept separate so your balance actually means something. No more switching between banking apps. CONNECTED THROUGH OPEN BANKING Accounts link through Open Banking, the UK's regulated way to connect to your bank. You approve access in your own bank's app, and you can remove it at any time. Kixy does not receive your online banking login details. ALL YOUR FRIENDS IN ONE PLACE Create a Circle for anything you share: a home, a trip, a relationship, a team. Chat, record expenses, and see where everyone stands, no matter which bank you use. SPLIT IT YOUR WAY Equally, by amount, by percentage or by share. Scan a receipt to split it item by item. You decide. ALWAYS CLEAR See who paid, who is owed and what is still outstanding. Gentle reminders keep things moving, so nobody has to chase. SEND MONEY ABROAD Send money internationally in multiple currencies. See the exchange rate and fee before you confirm. No surprises. SECURITY CONTROLS YOU CAN SEE Privacy mode hides your balance with one tap. Face ID, two-factor authentication and device management, all in one place. BUILT FOR REAL LIFE Flatmates sharing bills. Couples managing shared costs. Friends on a trip. Clubs collecting subs. Families supporting each other across borders. All your money. All your friends. One place. Kixy is available to UK residents aged 18 or over. Available banks and account types depend on what each bank supports through Open Banking. Kixy Ltd is registered with the Financial Conduct Authority as a Small Payment Institution (FRN 814005) for money remittance services. Account information and payment initiation services are provided by Yapily Connect Ltd (FRN 827001), authorised by the Financial Conduct Authority, with Kixy Ltd acting as its agent. Registered in England and Wales.