Swap Circle vs SurgePay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Swap Circle
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Swap Circle is a closed peer to peer Order book platform which enables members to trade amongst each other and the platform Order book
SurgePay
Manage multiple currencies, virtual cards, and send/receive money securely. Offers quick sign-in options, including biometrics, and provides real-time exchange rates for conversions. Ideal for everyday financial transactions with built-in support.
- Multi-currency wallets (USD & NGN)
- Virtual card creation
- Money conversion with live rates
- Send and receive money
- Secure sign-in with biometrics
- In-app live chat support
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SurgePay — fast, secure money for everyday life SurgePay lets you open multi-currency wallets, move money with confidence, and manage virtual cards—all in one simple app. - Quick, secure sign‑in - Email/password with smart validation - Optional biometric login (Face ID/Touch ID) - Transaction PIN for approvals - Two‑factor authentication and easy password/PIN changes - Multi‑currency wallets (USD & NGN) - Create wallets in a tap and view real-time balances - See full account details (account/routing numbers) - Clean, modern card views tailored to each currency - Convert money with live rates - Intuitive “From/To” cards with swap - Transparent rate and fee preview - Instant recipient‑gets calculation - Send and receive - Send to bank accounts or Surge wallets - Clear review + confirmation flow with PIN - Save beneficiaries and reuse them quickly - Request money from other users - Virtual cards - Create virtual cards after quick KYC - Pick country and card style - Fund or withdraw, see fees and equivalents - View and copy card details securely - KYC made simple - Guided verification with selfie (liveness) camera - Live status for Personal Details, ID, and Liveness checks - Transactions you can trust - Clean history with filters for incoming or outgoing - Built‑in support and profile - In‑app live chat for instant help - Profile editing, notifications, and preferences in one place SurgePay brings clarity, control, and confidence to your money—so you can send, convert, and pay without friction.
Screenshots
Verdict
The clearest difference is device support: Swap Circle at 3 against SurgePay's 1. Swap Circle also leads on iOS requirement (13.0 vs 16.4). On price, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
| Parameter | Swap Circle | SurgePay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (8 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 8 — better |
| Update frequency | — | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 23 MB | 106 MB |
| Age rating | 4+ | 17+ |
| Developer | Techxperience | SURGEPAY INC |
In-app purchases
Swap Circle
No in-app purchases
SurgePay
No in-app purchases
