IPU vs Flowxi
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
IPU
Facilitates seamless cross-border financial transactions between Europe and Asia. Offers tools for international money transfers, multi-currency management, and global payment solutions.
- Send and receive money worldwide
- Unique IBAN for direct payments
- Multi-currency management
- Real-time FX rates
- Global payout tools
- Cross-continental commerce support
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We are proud to be the experts in bridging financial flows between Europe and Asia. Our deep regional expertise, trusted banking partners, and tailored solutions make it easy for businesses and entrepreneurs to connect markets, navigate regulations, and grow without borders. With IPU, you're supported by a team that understands the nuances of cross- continental commerce. WITH IPU, YOU CAN: β’ Send and receive money worldwide β’ Benefit from your own unique IBAN for faster, direct payments β’ Manage funds in multiple currencies with real-time FX rates β’ Access scalable & modern tools for payouts and vendor settlements β’ Bridge Europe and Asia with expert support and localized financial solutions β’ Get full control over your global finances anytime, anywhere IPU is more than just a payment platform. It's a global financial hub in your pocket. Download now and experience a smarter way to pay, link, and grow!
Flowxi
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Flowxi is the app that lets you manage your money simply, quickly, and from anywhere in the world. Send, receive, and convert funds in seconds, open an account in EUR, USD, and USDC, and enjoy a smooth experience designed for real-life needs. Open your account in minutes and start receiving payments right away. Your virtual card is available as soon as you sign up, ready for online or in-store payments, fully compatible with Apple Pay. Flowxi makes everyday and international payments effortless. Send money instantly to your contacts, convert currencies with ease, and benefit from global access without banking delays. Buy and sell USDC securely between users through a supervised exchange system that protects every transaction. Flowxi acts as an intermediary to guarantee safe, transparent, and accessible transfers for everyone. Your money stays fully under your control: instant notifications, clear history, real-time spending tracking, automatic categorisation, and complete management directly in the app. Your security is a priority. Flowxi includes identity verification, biometrics, fraud protection, and the ability to freeze your card at any moment. And whenever you need help, responsive support is available directly in the app to guide you and assist you at every step. Designed for travellers, freelancers, students, expatriates, and anyone who wants a simple, modern, and international solution, Flowxi goes with you everywhereβwithout complexity. Join Flowxi and enjoy money that moves as fast as you do.
Screenshots
Verdict
The clearest difference is update cadence: Flowxi at every 8 days against IPU's every 3 weeks. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
IPU ships an update every 3 weeks, Flowxi every 8 days. The most recent releases landed on September 29, 2026 and October 14, 2026 respectively.
| Parameter | IPU | Flowxi |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | β |
| Update frequency | Every 3 weeks | Every 8 days β better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | β |
| Devices | iPhone, iPod | iPhone, iPad, iPod β better |
| Requires iOS | 15.0 β better | 15.6 |
| Further details β not scored | ||
| Size | 58 MB | 147 MB |
| Age rating | 4+ | 17+ |
| Developer | International Payment Union, UAB | Flowxi Sarl |
In-app purchases
IPU
No in-app purchases
Flowxi
No in-app purchases









