Comparison

99Fi vs Sikama

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

99Fi

Features
Read full description

99fi gives U.S.-based immigrants access to instant credit so they can send money home—even before payday. No more waiting to support your loved ones. With 99fi, you can send now and pay later, securely and stress-free. What 99fi Offers: Send now, pay later: Get access to credit to send money home anytime. No hidden fees: Simple, clear repayment terms. Fast and secure: Your remittance is safe and arrives quickly. Built for immigrants: Designed for people living in the U.S. who want better ways to support family back home. Start sending smarter. Download 99fi and take control of your remittances today.

About

Sikama

Send money internationally and domestically with speed and security. Enjoy fee-free cross-currency transfers, competitive exchange rates, and real-time notifications. Refer friends to earn rewards.

Highlights
  • International money transfers
  • Domestic money transfers
  • Zero fees for cross-currency transfers
  • High currency exchange rates
  • Multi-currency support
  • Real-time notifications
  • Referral rewards
Features
Read full description

Send Money Abroad Faster and Securely Send money abroad from the United States to Ghana, the United Kingdom, Germany, Sweden, the Philippines, India, Nigeria, Mexico, Kenya, and more - Africa, Asia, all EU Countries, and America. Sikama -your choice for international payments Experience the security and speed of transferring funds with our "Send" feature. Whether you're sending money to loved ones or receiving funds from across the globe, our platform enables fast and secure transactions. Presently, Sikama also facilitates domestic money transfers between users within the United States. Multi-Currency Support - Receive money in as little as 5 seconds! Sikama enables recipients to receive money in multiple currencies including USD, EUR, GBP, INR, NGN, PHP, and more! Check our website to see the countries we service. Zero Fees for Cross-Currency Transfers Save on every transfer with no transaction costs! Send money for free! Enjoy fee-free transfers for all your cross-currency transactions on Sikama. Securely deposit money into your Sikama wallet to fund your fee-free transfers. No fee for deposits. High Currency Exchange Rates Exchange USD to multiple currencies seamlessly with Sikama at high rates. Our platform allows you to convert money between different currencies effortlessly, ensuring you get the best exchange rates available, and your money arrives in time. Easy to Use User-friendly app for seamless transactions. Refer Your Friends and Earn Rewards Invite your friends and earn $5 when they sign up, verify their account, and send their first transaction to any supported country on Sikama app Receive real-time notifications when your funds arrive The Receiver is also notified of the transaction. You can also use the in-app chat feature to discuss or inform a fellow user about your transactions to them. Sikama is a registered FINCEN organization. Customer Support 24/7 customer support is available when you need assistance - Use the in-app Support feature or send an email to contact@Sikamai.com

Screenshots

99Fi4 screens
Sikama4 screens

Verdict

The call

The clearest difference is update cadence: Sikama at every 5 days against 99Fi's every 2 months. On price, ads, 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

99Fi ships an update every 2 months, Sikama every 5 days. The most recent releases landed on November 8, 2026 and October 30, 2026 respectively.

Scorecard1 real difference · 8 level
99Fi versus Sikama: the parameters behind the verdict, then further details
Parameter99FiSikama
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 2 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better13.0
Further details — not scored
Size46 MB97 MB
Age rating17+4+
Developer99Lan IncSikama Finserv

In-app purchases

None

99Fi

No in-app purchases

None

Sikama

No in-app purchases

Questions

Is 99Fi free?
99Fi is free to download, with no in-app purchases.
Is Sikama free?
Sikama is free to download, with no in-app purchases.
Do 99Fi or Sikama have ads?
Neither 99Fi nor Sikama shows ads.
Which is updated more often, 99Fi or Sikama?
99Fi ships an update every 2 months, and Sikama every 5 days. Most recently, 99Fi was updated on November 8, 2026 and Sikama on October 30, 2026.

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