Comparison

GrabrFi vs Dividenz

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

Head to head
About

GrabrFi

Open a full-featured US checking account from your phone, regardless of your residency. Receive USD payments, spend globally with a US debit card, and withdraw to your local currency. Ideal for remote workers and international individuals seeking US banking without hidden fees.

Highlights
  • Open US checking account from phone
  • Receive USD payments
  • Spend globally with US debit card
  • Withdraw to local currency
  • No hidden fees or minimum balance
  • Virtual and physical US cards
  • 24/7 customer support
Features
Read full description

One account for your money worldwide, with your own US account details. Get paid in USD, hold digital dollars, spend with a Visa card, and cash out to your local bank when you choose. Built for people who earn, move, and spend across borders. Apply with your local government-issued ID. Earning in USD from outside the US usually means slow wires, fees at every step, and forced conversion at a poor rate, while your local currency loses value month after month. GrabrFi puts everything in one account instead of three apps. GET PAID IN USD A US routing and account number in your name. Receive ACH payments from US companies and platforms like Deel, Remote, Toptal, Upwork, and Fiverr, with no incoming ACH fee, no middlemen, and no complicated setup. HOLD DIGITAL DOLLARS Keep your balance in digital dollars inside the same account, no extra app needed. Send to people, platforms, and your own accounts, and receive 24/7. Earn Boost rewards on your balance where available (see the in-app rate and terms). PAY BY QR IN LATIN AMERICA In Argentina, Brazil, and Peru, scan and pay for everyday purchases directly from the app. Your dollars are converted at a competitive exchange rate, with the total shown before you confirm. No cash, no card reader needed. SPEND WHERE VISA IS ACCEPTED Once approved, open a virtual card in the app and pay online or in person anywhere Visa is accepted, at home and when you travel. No fee to open the card, no maintenance fee. A physical card is available, delivered to your home for a shipping fee. SEND AND WITHDRAW YOUR WAY Wire to US or international accounts, ACH to US accounts, or send digital dollars 24/7. Cash out to pesos, reais, or your local currency, directly to your bank account. You see the rate and the total before you send. BUILT FOR YOUR SITUATION Freelancers: get paid in USD and keep more of every payment. Remote workers: receive your salary from platforms like Deel or Remote. Savers: hold your savings in dollars, in US jurisdiction. Travelers and everyday spenders: pay by card or QR, cash out when you choose. WHY GRABRFI - 250,000+ customers worldwide - Operated by Grabr, Inc., a US company in business since 2014 - Backed by leading Silicon Valley investors - Thousands of 5-star reviews on Trustpilot - Human support in English, Spanish, and Portuguese No fee to open the account, no monthly fees. Availability varies by country. See grabrfi.com for supported countries and full terms. One global account for your local life. GrabrFi is a product of Grabr, Inc. Grabr, Inc. is a financial technology company, not a bank. Services are provided by Bridge Ventures LLC or one of its regulated affiliates (together, "Bridge"). The assets in your global account are not FDIC insured, are not bank deposits, and are subject to issuer and de-pegging risks that might affect its value. Its value is backed 1:1 by cash and short duration US Treasuries through Bridge or Circle. The Prepaid Debit Visa Card (the "Card") is issued by Lead Bank pursuant to licensing by Visa U.S.A., Inc. and may be used everywhere Visa is accepted. Must be 18 or older to apply. Fees may apply. See Cardholder Agreement and GrabrFi website for more details. Bridge is not a bank. Bridge is a financial technology company and is the Program Manager responsible for managing and operating the Card on behalf of Lead Bank. Grabr, Inc. is the Platform Provider responsible for the application, access, and management of/for the services and card. Boost earnings are a promotional incentive funded by GrabrFi, not interest, yield or investment returns. The rate used in content reflects the current rate at the time it was sent or published. Refer to the in-app rate for the current rate, it is subject to change. It is available to all GrabrFi customers excluding the U.S. and E.U.

About

Dividenz

Access US real estate investment products and manage your funds from anywhere. Open a US account, earn daily interest in USD, and invest in real estate-backed funds. Get a global Mastercard for purchases and ATM withdrawals.

Highlights
  • US account opening
  • Daily USD interest
  • Global Mastercard
  • Real estate investment
  • Performance tracking
  • Referral rewards
Features
Read full description

Información de la aplicación: Dividenz te permite abrir una cuenta en EE.UU. para que accedas a productos de inversión en Real Estate americano, sin importar dónde estés, y resguardes tus fondos de reserva desde el primer día. Desde nuestra app podrás: Invertir en deals o mixed fund, nuestros productos de inversión respaldados por activos inmobiliarios en EE.UU. Consultar información sobre tus inversiones en deals de forma rápida y simple con AI Portfolio Analyst. Solicitar la venta de tus participaciones en deals a través de Secondary Market. Recibir distribuciones en USD desde el primer día. Obtener una cuenta remunerada, con rendimientos diarios en USD. Recibir una tarjeta Mastercard para realizar compras y retirar efectivo en cajeros automáticos de todo el mundo. Visualizar el rendimiento de tu capital.• Referir personas con el programa Referral y obtener recompensas.

Screenshots

GrabrFi4 screens
Dividenz4 screens

Verdict

The call

The clearest difference is review sentiment: Dividenz at 100% against GrabrFi's 52%. Dividenz also leads on rating (5.0 vs 4.6) and monetization model (ad-supported vs free with in-app purchases). GrabrFi's advantage is ratings volume (330 vs 1). 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

Dividenz holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: GrabrFi has 330 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 52% of GrabrFi's written reviews are positive against 100% of Dividenz's.

UpkeepUpdate frequency

GrabrFi ships an update every 3 weeks, Dividenz fortnightly. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
GrabrFi versus Dividenz: the parameters behind the verdict, then further details
ParameterGrabrFiDividenz
PriceFreeFree
Rating4.6 (330 ratings)5.0 (1 ratings) — better
Positive reviews51.9% of reviews100.0% of reviews — better
Number of ratings330 — better1
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size15 MB70 MB
Age rating+417+
DeveloperGrabr Inc.Dividenz LLC

Customer experience

GrabrFi

All ratings330 ratings
Positive90.9%
Neutral2.4%
Negative6.7%
Written reviews129 reviews
Positive51.9%
Neutral3.9%
Negative44.2%

Dividenz

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

GrabrFi

Reported bugs

33 issues
  • Money held for years
  • Account frozen without explanation
  • Customer service unresponsive
  • Withdrawal reversals
  • Failed transactions with no clear reason
Show 28 more
  • Error 403 Forbidden
  • Account closure without notice
  • Verification errors
  • Physical card not arriving
  • Low daily transfer limits
  • Money blocked for months
  • Inability to open account
  • Application rejected without reason
  • Card not working in many places
  • Issues with TIN requirement for Nigerians
  • Transfer to local bank reversals
  • Problems with international transfers
  • Difficulty contacting support
  • App not loading for verification
  • Issues with US phone number requirement
  • Problems with Remitly integration
  • Issues with international card usage
  • Problems with account migration
  • Unclear reasons for account rejection
  • Problems receiving phone confirmation codes
  • SWIFT transfer issues
  • Manual adjustment reversals
  • Security checking delays
  • Issues with account opening for specific regions
  • Inability to type numbers on iPhone
  • High fees for international transfers
  • App not working for verification in Nigeria
  • Problems with international payments

Requested features

7 requests
  • Integrate Zelle transfers
  • Offer credit card options
  • Improve international card usage outside US
  • Add more crypto options
  • Fund account through local currency
Show 2 more
  • Allow peso to USD conversion via transfer
  • Improve support for specific regions (e.g., Colombia, Nigeria)

Dividenz

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

GrabrFi

No in-app purchases

None

Dividenz

No in-app purchases

Questions

Is GrabrFi free?
GrabrFi is free to download, with no in-app purchases.
Is Dividenz free?
Dividenz is free to download, with no in-app purchases.
Which has better reviews, GrabrFi or Dividenz?
Dividenz is rated higher. GrabrFi averages 4.6 out of 5 from 330 ratings, while Dividenz averages 5.0 from 1 ratings.
Do GrabrFi or Dividenz have ads?
Neither GrabrFi nor Dividenz shows ads.
Which is updated more often, GrabrFi or Dividenz?
GrabrFi ships an update every 3 weeks, and Dividenz fortnightly. Most recently, GrabrFi was updated on November 3, 2026 and Dividenz on November 3, 2026.

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