Cleva App vs Cardex
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cleva App
Manage your money globally with this app. Send and receive funds internationally, hold USD, and spend online with a virtual card. Earn rewards and refer friends for extra benefits.
- Send money internationally
- Receive USD payments
- Receive stablecoins
- Convert currencies
- Virtual USD card
- Hold funds in USD
- Earn Cleva Points
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On Cleva, your money has no boundaries. Here’s why over 1M people trust Cleva: 1. Swift onboarding 2. Competitive exchange rates 3. Transparent pricing, no hidden or monthly fees 4. Fast, reliable, and secure experience Send money across borders Instantly transfer to family and friends in Nigeria, Ghana, Uganda, and other African countries. Just add a destination bank or mobile money account, verify the account details, initiate your transfer, and watch the money get delivered immediately. Receive USD payments Whether you’re a freelancer, remote worker, content creator, or entrepreneur, receive ACH and Wires from your employer and clients without hassle. Receive stablecoins with ease Receive USDT or USDC into your Cleva wallet in minutes, giving you more ways to fund and grow your money. Transfer to friends on Cleva Instantly transfer to your friends on Cleva for FREE. Convert at the best rates Instantly convert currencies at very competitive exchange rates. Even better, there are no fees to convert, it’s completely FREE. Spend globally with a virtual USD card Pay for international subscriptions, shop online, or make global payments easily with your Cleva USD card. Protect your money from volatility Save and hold your funds in USD. Exchange only when you want to, at the best rates. Earn and redeem Cleva Points Get rewarded every time you transact! Earn points when you transfer or receive a deposit, then redeem your points for USD and more. Refer and earn Invite your friends and earn when they transact on Cleva. The more friends you refer, the more you earn, and you can keep earning infinitely. 24/7 Support Cleva is always available to assist 24/7 whenever you need assistance. You can reach us via in-app chat or email at contact@getcleva.com. You can also reach us on our social media channels: Twitter: @clevabanking Instagram: @clevabanking Linkedin: @cleva-banking [:mav: 2.4.2]
Cardex
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Pay in Naira directly from your multi-currency wallet with our virtual and physical cards. Suitable for global online payments and ATM withdrawals.
Screenshots
Verdict
The clearest difference is ads: Cleva App at none against Cardex's shown. Cardex's advantage is iOS requirement (13.4 vs 15). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Cleva App ships an update every 9 days, Cardex every 2 weeks. The most recent releases landed on September 24, 2026 and September 18, 2026 respectively.
| Parameter | Cleva App | Cardex |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (1.5K ratings) — better | — |
| Positive reviews | 58.7% of reviews | — |
| Number of ratings | 1.5K — better | — |
| Update frequency | Every 9 days — better | Every 2 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15 | 13.4 — better |
| Further details — not scored | ||
| Size | 262 MB | 57 MB |
| Age rating | 4+ | 17+ |
| Developer | Cleva Technologies, Inc. | FINTAVA TECHNOLOGY LIMITED |
Bugs and requests
Cleva App
Reported bugs
3 issues- Rejected transactions with new bank partner
- Delayed or missing fund transfers
- Inability to access old account numbers
Requested features
4 requests- Reinstate Wells Fargo bank integration
- Add support for international wire transfers
- Introduce push notifications for account credits
- Enable withdrawal from virtual cards
Cardex
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Cleva App
No in-app purchases
Cardex
No in-app purchases
