Swapmoney vs 3ribe
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Swapmoney
Facilitates secure and efficient cross-border payments from the UK to over 100 countries in more than 30 currencies. Offers instant, fee-free transfers with the convenience of sending to multiple beneficiaries and earning referral bonuses.
- Fee-free money transfers
- Instant transfers
- Send to two beneficiaries simultaneously
- Referral bonuses
- UK FCA licensed security
- Global reach to 100+ countries
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SwapMoney is a UK-based Money Services Business (MSB) dedicated to simplifying cross-border payments. With a commitment to compliance, security, and transparency, SwapMoney offers a user-friendly platform for individuals and businesses to send and receive money across borders. The company's mission is to empower customers with secure, accessible, fast, and efficient financial solutions, making cross-border payments easier and more convenient. From the UK, Swapmoney offers remittance and cross-border payments to over 100 countries such as Nigeria, Kenya, USA, China, Japan, Turkey, Europe, etc. in over 30 currencies. Key Features: Zero Cost on Transfers: Enjoy fee-free money transfers, so you can send and receive money without worrying about hidden charges or service fees. Instant Transfers: Send money to your loved ones instantly, whether they're just around the corner or across the globe. No more waiting for days to access your funds. Double the Convenience: Send money to two beneficiaries at once, effortlessly splitting your funds between family and friends. We make multitasking a breeze. Referral Bonuses: Use your unique referral code to invite friends and family to SwapMoney. When they make transactions, you both receive attractive referral bonuses. It's our way of saying thank you for spreading the love. Safety & Security: Rest easy knowing your financial transactions are protected by the latest security measures. Swapmoney is licensed in the UK by the Financial Conduct Authority (FCA), ensuring your peace of mind. Global Reach: Swapmoney allows you to send money to over 100 countries in more than 30 currencies. From the UK, you can seamlessly transfer funds to various destinations, including Nigeria, Canada, USA, China, Turkey, India, etc Experience hassle-free money transfers to your loved ones across the world with Swapmoney. How It Works: • Sign Up: Download the app, sign up with your details, and create a secure account. • Verify Your Identity: Verify your identity to gain full access to all features. We take security seriously. • Add Beneficiaries: Add your beneficiaries, whether it's family, friends, or business partners. • Transfer Funds: Simply select your beneficiary, enter the amount, and hit send. It's that easy! • Enjoy Benefits: Experience zero-cost transactions, instant transfers, and referral bonuses. SwapMoney is designed to make your financial life easier and more rewarding. Try it today and experience hassle-free money transfers like never before. You can Contact Us For any queries or assistance, our dedicated support team is available 24/7. Feel free to reach out to us at enquiries@swap-money.com or visit our website at remit.swap-money.com SOCIAL MEDIA CHANNELS Facebook – @Swapmoney Instagram- @Swapmoneyuk Twitter- @Swapmoneyuk Youtube -@Swapmoney
3ribe
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Join 3ribe to experience seamless, secure, and fast money transfers. 3ribe app allows you to send money from the UK to Africa in seconds, ensuring your loved ones receive the funds when they need money the most. With 3ribe you enjoy zero transaction fee, instant transfers, refer and earn, real-time notifications, security, pay bills, airtime recharge, 24/7 customer support and convenience. INSTANT TRANSFER Enjoy the speed and seamless international transfer with 3ribe. Sending funds to friends, family and loved ones just got easier and convenient, in no time the recipient recieves the funds. No more waiting and delays. ZERO TRANSACTION FEE Save more with every transfer. 3ribe offers zero transaction fees, ensuring that you get the most value out of your money. Whether you're supporting family, friends, or conducting business, every penny counts. REFER AND EARN Spread the word and enjoy rewards! Earn with 3ribe when you invite family, friends and loved ones. The more you refer, the more you earn. PAY BILLS Simplify your life by paying bills directly through the 3ribe app. Whether it’s utilities, school fees, or any other payments, 3ribe makes bill payments quick and hassle-free. AIRTIME RECHARGE Stay connected with ease. Instantly recharge airtime for any Nigerian mobile network straight from the app, keeping you and your loved ones in touch effortlessly. There’s more! 24/7 customer support is available around the clock when you need us! Receive real time notifications when you make transactions.
Screenshots
Verdict
Swapmoney and 3ribe are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
Swapmoney ships an update every 3 weeks, 3ribe fortnightly. The most recent releases landed on November 3, 2026 and November 8, 2026 respectively.
| Parameter | Swapmoney | 3ribe |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.2 — better | 15 |
| Further details — not scored | ||
| Size | 145 MB | 107 MB |
| Age rating | 17+ | 17+ |
| Developer | swap-money Ltd | GRANTS PAYMENTSOLUTIONS LTD |
In-app purchases
Swapmoney
No in-app purchases
3ribe
No in-app purchases









