Comparison

Cypher Wallet vs Sunrate

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

Head to head
About

Cypher Wallet

This app allows you to spend your cryptocurrency like cash globally using a virtual or physical card. It supports multiple blockchains and offers instant integration with Apple Pay and Google Pay. You maintain full control of your funds with a non-custodial wallet.

Highlights
  • Spend crypto like cash globally
  • Zero-fee crypto card
  • Non-custodial wallet
  • Multi-chain support (15+ blockchains)
  • Instant Apple Pay & Google Pay compatibility
  • Virtual and physical card options
  • Global ATM cash withdrawal
Features
Read full description

Cypher makes crypto spending seamless, secure, and global. Spend your crypto like cash with Cypher’s zero-fee crypto card, powered by a non-custodial wallet, multi-chain support, and instant Apple Pay & Google Pay compatibility. Spend Crypto Anywhere Use your Cypher virtual or physical card at 100M+ merchants worldwide that accept Visa. Shop online, tap in-store, or withdraw cash from ATMs globally. You’re Always in Control Cypher is non-custodial by design. Your crypto stays yours, full ownership, total privacy, and control at all times Multi-Chain, Made Simple Cypher supports 15+ major blockchains and 500+ tokens, including Ethereum, Solana, Base, and Cosmos ecosystems, so you can spend seamlessly without worrying about where your funds live. Instant Card Access Get your virtual card instantly on signup and add it to Apple Pay or Google Pay in seconds. Physical cards are available for everyday use and travel. Global ATM Access Need cash? Withdraw crypto as local currency from ATMs around the world, anytime, anywhere. Built for Security Advanced fraud detection, card controls, and real-time monitoring help keep your spending protected. Go Premium Upgrade to Cypher Premium and unlock: A sleek metal card Zero forex markup Zero top-up fees Higher monthly spending limits Earn Rewards Earn CYPR tokens on every spend and referral, with boosted rewards at top brands designed to reward real usage. Cypher is a Y Combinator-backed company redefining how crypto works in everyday life. Download Cypher and start spending crypto instantly. Join the Cypher Community Cypher is built by and for people who use crypto every day. From spending on-chain assets in the real world to shaping what we build next, our community is at the center of everything we do. Join users across the globe who are making crypto practical, usable, and borderless. Download Cypher and start spending crypto anywhere cards are accepted. Stay connected with the Cypher community: - Website: https://cypherhq.io/ - X: https://x.com/Cypher_HQ_ - LinkedIn: http://linkedin.com/company/cypher-official - Telegram: https://t.me/cypher_hq - Discord: https://discord.gg/ZqeSGmJgWF - Support & enquiries: support@cypherhq.io

About

Sunrate

This platform facilitates global business payments, offering international money transfers, commercial card management, and global collection services. It empowers businesses to operate and scale internationally with a cutting-edge platform and extensive network.

Highlights
  • International payments in 130+ currencies
  • Coverage in 190+ countries
  • Commercial card management
  • Global collection services
  • Real-time transaction statements
  • API integration
Features
Read full description

Sunrate is a leading global payment and treasury management platform for businesses worldwide. Founded in 2016, Sunrate has enabled companies to operate and scale locally and globally across more than 190 countries and regions through its cutting-edge infrastructure, extensive global network, and unified solutions. How Sunrate empowers your business International Payments -Make seamless payments to more than 190 countries and regions. -Send payments in over 130 currencies. -Leverage local payment networks across Hong Kong, the US, Europe, the UK, Southeast Asia, and beyond. Currency Conversion -Convert currencies conveniently and instantly at competitive exchange rates. -Access real-time exchange rates and complete conversions whenever your business needs them. Commercial Cards -Benefit from Sunrate’s Principal Membership of both the Mastercard and Visa networks. -Settle transactions directly in more than 15 currencies. -Customise key parameters such as card spending limits. Global Collection -Collect payments globally in more than 30 currencies. -Clear funds through our local networks in over 10 currencies. Why use the Sunrate app? The Sunrate app gives you convenient access to essential business payment and treasury management functions. Manage your commercial cards, view real-time transaction records, monitor your accounts, make payments, and convert currencies wherever you are. Manage your global business on the go and respond to diverse payment needs directly from your mobile device.

Screenshots

Cypher Wallet4 screens
Sunrate4 screens

Verdict

The call

The clearest difference is review sentiment: Cypher Wallet at 76% against Sunrate's 0%. Cypher Wallet also leads on rating (4.2 vs 2.3) and update cadence (every 10 days vs every 3 months). Sunrate's advantage is monetization model (free vs freemium). 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.

ReceptionRating · Positive reviews · Number of ratings

Cypher Wallet holds the better App Store score, 4.2 against 2.3. That said, the two scores are not equally well evidenced: Cypher Wallet has 30 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 76% of Cypher Wallet's written reviews are positive against 0% of Sunrate's.

UpkeepUpdate frequency

Cypher Wallet ships an update every 10 days, Sunrate every 3 months. The most recent releases landed on October 20, 2026 and September 30, 2026 respectively.

Scorecard5 real differences · 5 level
Cypher Wallet versus Sunrate: the parameters behind the verdict, then further details
ParameterCypher WalletSunrate
PriceFreeFree
Rating4.2 (30 ratings) — better2.3 (3 ratings)
Positive reviews76.4% of reviews — better0.0% of reviews
Number of ratings30 — better3
Update frequencyEvery 10 days — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size104 MB193 MB
Age rating17+4+
DeveloperCypherD Wallet IncSunrate Pte. Ltd.

Customer experience

Cypher Wallet

All ratings30 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews72 reviews
Positive76.4%
Neutral4.2%
Negative19.4%

Sunrate

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Cypher Wallet

No in-app purchases

None

Sunrate

No in-app purchases

Questions

Is Cypher Wallet free?
Cypher Wallet is free to download, with no in-app purchases.
Is Sunrate free?
Sunrate is free to download, with no in-app purchases.
Which has better reviews, Cypher Wallet or Sunrate?
Cypher Wallet is rated higher. Cypher Wallet averages 4.2 out of 5 from 30 ratings, while Sunrate averages 2.3 from 3 ratings.
Do Cypher Wallet or Sunrate have ads?
Neither Cypher Wallet nor Sunrate shows ads.
Which is updated more often, Cypher Wallet or Sunrate?
Cypher Wallet ships an update every 10 days, and Sunrate every 3 months. Most recently, Cypher Wallet was updated on October 20, 2026 and Sunrate on September 30, 2026.

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