Comparison

BorderPal vs Swft

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

Head to head
About

BorderPal

Features
Read full description

BorderPal localises your travel experience by making local services and money or cash available to you on the fly. Travel with BorderPal to access local currencies in any African country without having to source for cash around. Paying for local bills or services is a breeze while making cash accessible anywhere in Africa. BorderPall is simply an international payment solution for everyday personal or business use. Fund your Pal Balance from any currency in the world to get started. We help you to create a US company, collect money, send money or pay for bills or services locally and internationally: - Intra-African traders - Freelancers - Travelers - Donors - Digital businesses - Africans in Diaspora/ Africa immigrants and so much more Free account in 50+ Countries Create a Free account, a Virtual Card and hold Balances in multiple currencies and choose which to use at any time. Send, Receive and Request Money Receive Money, Request Cash or Send Payment to 50+ countries instantly, with no hidden charges and at the best rate. Trusted across the World Known by Africans across the world to keep track of their balances and transfers, and get access to their money on the go, anywhere. Pay Bills in Africa easily Stay connected to the things that matter. Pay bills for you, your business or family or friends in Africa & top-up airtime or data anytime. Access to Cash Collect cash easily from Trusted BorderPal partners who are local businesses and merchants in all supported African countries. Launch a U.S company Register and Incorporate your business in the US. BorderPal makes it easy to start a new business by removing lengthy paperwork, legal complexity, and numerous fees. We handle company formation, business accounts, taxes, accounting, compliance, and more. With your account on BorderPal Multiple currencies (Open account in 50+ currencies including USD, NGN, KES, EUR, etc) Transaction history (Track your spending by month or week) Make transfer and payment Free BorderPal Transfers (transfer in a few minutes to your Pals) Send and receive globally (competitive exchange rate) Request Money (From friends and contacts or business associates) Bill Payment (Pay your bills automatically) Mobile Money (Pay with your phone securely) Connect Card and Get a Bank account (Control your finances in one place) Top up or Withdraw Free cash withdrawals (From anywhere in the world) Top up debit cards (Easily top up your cards) Top up at agent points or bank branches (In over 20,000 locations across the World) Get Virtual Card Generate multiple virtual Cards in USD or NGN or GHS Spend online (Transact easily with top online stores) Payment for Services (Pay easily on multiple platforms including hosting, freelancers or services platforms) Request for a Physical Card (Receive your debit card with fast delivery) We support the following countries and more: UK, US, Nigeria, Ghana, Egypt, South Africa, Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Central Africa Republic, Chad, Comoros, Congo, Congo DRC, Djibouti, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Gabon, Guinea, Guinea Bissau, Ivory Coast, Kenya, Lesotho, Liberia, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Rwanda, Sao Tome & Principe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Tanzania, The Gambia, Togo, Tunisia, Uganda, Zambia, Zimbabwe, Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador, Peru, China, India

About

Swft

Manage your money with instant transfers, payments, and savings. Connect with friends for shared expenses and get a prepaid card for easy shopping and ATM access. Utilize personal finance tools to track spending and set limits.

Highlights
  • Instant money transfers
  • Send, receive, pay, and save
  • Social chat for shared payments
  • Prepaid card for shopping and withdrawals
  • Personal financial management tools
  • Spending limits and expense management
Features
Read full description

Swft is an entire financial world built for you, within a few minutes of registration on your phone you will have a complete account with endless services for you: Money Transfer You can send, receive, pay, and save money instantly. Sawa Payments You can connect with your peers and friends with social chat group channels to manage your shared payments. Get your Swft Prepaid card You can get your Swift Prepaid card to do your shopping, depositing, and withdrawing money in an easy, fast, and accessible way 24/7 from any ATM. Personal Financial Management You can access Swft's personal financial management tools to keep an eye on your expenses, setting spending limits, and managing your permanent expenses.

Screenshots

BorderPal4 screens
Swft4 screens

Verdict

The call

The clearest difference is update cadence: Swft at every 5 days against BorderPal's monthly. BorderPal's advantage is iOS requirement (11.0 vs 15.1). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

BorderPal ships an update monthly, Swft every 5 days. Both last shipped on November 3, 2026.

Scorecard2 real differences · 7 level
BorderPal versus Swft: the parameters behind the verdict, then further details
ParameterBorderPalSwft
PriceFreeFree
Rating—5.0 (5 ratings) — better
Number of ratings—5 — better
Update frequencyMonthlyEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS11.0 — better15.1
Further details — not scored
Size47 MB22 MB
Age rating4+4+
DeveloperErrand P LTDSWIFT OB FOR INFORMATION TECHNOLOGY AND FINANCE TECHNOLOGY SAE

In-app purchases

None

BorderPal

No in-app purchases

None

Swft

No in-app purchases

Questions

Is BorderPal free?
BorderPal is free to download, with no in-app purchases.
Is Swft free?
Swft is free to download, with no in-app purchases.
Do BorderPal or Swft have ads?
Neither BorderPal nor Swft shows ads.
Which is updated more often, BorderPal or Swft?
BorderPal ships an update monthly, and Swft every 5 days. Most recently, BorderPal was updated on November 3, 2026 and Swft on November 3, 2026.

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