Grey vs Transa.io
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Grey
Open a multi-currency account with local details for USD, GBP, and EUR. Send money globally in over 170 currencies, exchange funds at competitive rates, and get a virtual USD card. Create invoices and pay bills easily.
- Multi-currency accounts (USD, GBP, EUR)
- Global money transfers
- Competitive currency exchange rates
- Virtual USD card
- Professional invoice creation
- Bill payments
- Stablecoin support
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**Open a multi-currency account in minutes, for free.** Open a USD, GBP and EUR accounts, Send money in over 170 currencies, and get an International USD card. - Free USD, GBP and EUR accounts in one app - No monthly fees - Virtual USD card with Apple Pay and Google Pay support *(in supported regions*)* - Trusted by 3 million users - Multilingual support **Why Grey stands out** - Receive global payments with ease - Convert currencies at competitive rates - Send money to 160+ countries - Create and send professional invoices in minutes. **No limits to your money** When you open a multi-currency account with us, you get local account details for easy money transfer and payments. **Our Services** - Global Money Transfer - Get USD, EUR, GBP Accounts - Currency Exchange - Virtual USD Card **Global Money Transfer** With Grey, send money to freelancers, business associates and loved ones anywhere in the world. **Easy Foreign Exchange in Seconds** Exchange currencies at competitive rates with Grey. Track real-time exchange rates in the app and withdraw your converted funds directly to your local bank account. **Send & receive stablecoins** Send, receive and manage USDT and USDC transfers alongside your international payments **Bill payments, simplified** Pay your bills in just a few taps with Grey. From everyday utilities to unexpected expenses, stay on top of your payments easily. **Gift Cards** Buy and send gift cards from top global brands in just a few taps. Add a personal message to make your gift even more special, and we'll deliver it directly to the recipient. **Professional Invoices for Your Global Clients** Create and send professional invoices in minutes. Share them with clients around the world and get paid more easily. **Around-the-clock Support** Stay updated with real-time transaction notifications. If you need help, contact our support team through in-app messaging or by email at support@grey.co **Protected and Regulated** We are regulated by FinCEN and FINTrac, so your money is always safe. Grey Incorporated
Transa.io
Manage multiple currencies, send money internationally, and make global purchases with virtual cards. This platform offers instant transfers, competitive exchange rates, and bank-grade security for all your financial needs.
- Multi-currency wallet management
- Instant virtual dollar cards
- Fast international money transfers
- Real-time currency conversion
- Bank-grade security features
- Detailed transaction history
- Referral rewards program
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Full descriptions: Transa is a cutting-edge digital financial platform that empowers you to manage multiple currencies, make instant international transfers, and spend globally with ease. Whether you're sending money across borders, converting currencies, or shopping online internationally, Transa provides a secure, fast, and user-friendly experience. Multi-Currency Wallet Manage multiple currency accounts in one place (NGN, USD, and more) View real-time balances and transaction history Switch between currencies with a single tap Competitive exchange rates for all conversions Virtual & Physical Cards Create instant virtual dollar cards for online payments Manage multiple cards simultaneously Track card spending in real-time Secure your cards with transaction PINs and biometrics Fast Money Transfers Send money to any Nigerian bank account instantly Make international transfers at competitive rates Save beneficiaries for quick repeat transfers Track all transactions with detailed receipts Currency Conversion Convert between multiple currencies instantly Real-time exchange rates with transparent fees No hidden charges or surprise costs Complete conversions in seconds Bank-Grade Security Biometric authentication (fingerprint/face ID) Transaction PIN protection Secure BVN and KYC verification End-to-end encryption for all transactions Real-time transaction notifications Smart Financial Management Detailed transaction history and filtering Account statements (PDF, CSV, Excel formats) Real-time balance updates Push notifications for all activities Organized transaction categorization Referral Rewards Program Earn $1 for every friend you refer No limits on referral earnings Track your referral progress in real-time Your friend gets rewarded too! Key Features: Intuitive and modern user interface Multiple account tiers with increasing limits Email and phone verification 24/7 customer support Instant funding via bank transfer Address verification for enhanced security Transaction receipts and statements Dark mode friendly design Why Choose Transa? Fast: Instant transfers and currency conversions Secure: Multiple layers of security protection Affordable: Competitive rates with transparent fees Reliable: 99.9% uptime for all services Supported: Dedicated customer support team Verified: Fully licensed and regulated Perfect For: Freelancers receiving international payments Students studying abroad Online shoppers buying from international stores Travelers managing multiple currencies Anyone making cross-border transactions Businesses with global operations Getting Started is Easy: Download and install Transa Create your account with phone verification Complete KYC verification (BVN & selfie) Start sending, receiving, and converting money!
Screenshots
Verdict
The clearest difference is review sentiment: Transa.io at 100% against Grey's 38%. Transa.io also leads on rating (5.0 vs 4.6) and iOS requirement (15.1 vs 17.6). Grey's advantage is ratings volume (5.8K vs 2) and update cadence (every 5 days vs fortnightly). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Transa.io holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Grey has 5.8K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 38% of Grey's written reviews are positive against 100% of Transa.io's.
Grey ships an update every 5 days, Transa.io fortnightly. The most recent releases landed on November 12, 2026 and October 31, 2026 respectively.
| Parameter | Grey | Transa.io |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (5.8K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 38.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 5.8K — better | 2 |
| Update frequency | Every 5 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 1.1 GB | 38 MB |
| Age rating | 17+ | 4+ |
| Developer | Grey Incorporated | Nexus Hub Limited |
Customer experience
Grey
Transa.io
Bugs and requests
Grey
Reported bugs
3 issues- Transactions not showing up
- Inability to access account or make transfers
- Recurring app crashes and bugs
Requested features
4 requests- Increase monthly withdrawal limit
- Add dark mode option
- Improve virtual card functionality
- Streamline verification process
Transa.io
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Grey
No in-app purchases
Transa.io
No in-app purchases









