# Xward Pay vs Ambr

The clearest difference is update cadence: Ambr at every 3 weeks against Xward Pay's every 3 months. Xward Pay's advantage is iOS requirement (13.4 vs 15.1). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Xward Pay ships an update every 3 months, Ambr every 3 weeks. The most recent releases landed on September 19, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | Xward Pay | Ambr |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | — | Free |
| Size | 69 MB | 32 MB |
| Requires iOS | **13.4** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Xward Pay Inc](https://appshunter.io/developer/1627491507) | [Ambr Payments UAB](https://appshunter.io/developer/1642312261) |

## What reviewers say

### Xward Pay

[App page](https://appshunter.io/ios/app/xward-pay/id1627491504)

**Features:** Apple Wallet

**In-app purchases:** none


### Ambr

[App page](https://appshunter.io/ios/app/ambr/id1642312259)

This financial app offers easy banking solutions for individuals and businesses, including cross-border transactions. Get a European IBAN with SEPA and SWIFT, collect and send funds in over 20 currencies, and earn rewards through a referral program.

**Highlights:** EUR IBAN with SEPA/SWIFT, GBP IBAN with local/SWIFT, Collect/send funds in 20+ currencies, Referral program for rewards, Virtual Debit Card (forthcoming)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Xward Pay free?

Xward Pay is free to download, with no in-app purchases.

### Is Ambr free?

Ambr is free to download, with no in-app purchases.

### Do Xward Pay or Ambr have ads?

Neither Xward Pay nor Ambr shows ads.

### Which is updated more often, Xward Pay or Ambr?

Xward Pay ships an update every 3 months, and Ambr every 3 weeks. Most recently, Xward Pay was updated on September 19, 2026 and Ambr on September 14, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*