Ellicash vs SurgePay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Ellicash
Manage your spending, send money internationally, and exchange currencies with this financial app. It offers budgeting tools, instant spending notifications, and secure transaction options. Join millions of users managing their money more effectively.
- Everyday spending management
- International money transfers
- Currency exchange
- Fast loan applications
- Budgeting tools
- Instant spending notifications
- Secure virtual cards
- 24/7 customer support
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One app to manage your entire financial life. Get Ellimoney Mobile in minutes, and use it to manage your everyday spending, send money abroad, exchange currencies, and apply for fast loans. Take control of your finances with easy-to-use analytics and budgeting tools, keep track of your spending with instant notifications. Get more with Ellimoney Mobile. Open an app-based account with us in just a few minutes and join 10+ million people who are experiencing a radically better way to manage and control their money. Budgeting: Manage your money - Get instant spending notifications after every payment - See how much you spend each month on things like groceries and transport Transfer money abroad - Transfer money abroad with the real exchange rate - Send and request money from friends and family at the touch of a button Security the way you want it - Secure your online transactions by paying with disposable virtual cards - Speak with one of our friendly agents with 24/7 customer support For more information about Ellimoney Mobile, please go to airopay.com.
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 rating: SurgePay at 5.0 against Ellicash's 4.3. Ellicash's advantage is update cadence (weekly vs monthly) and device support (3 vs 1). On price, ratings volume, 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.
SurgePay holds the better App Store score, 5.0 against 4.3. Both are backed by a comparable volume of ratings — 3 and 8 respectively.
Ellicash ships an update weekly, SurgePay monthly. The most recent releases landed on October 23, 2026 and October 9, 2026 respectively.
| Parameter | Ellicash | SurgePay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (3 ratings) | 5.0 (8 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 3 | 8 — better |
| Update frequency | Weekly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 16.4 |
| Further details — not scored | ||
| Size | 56 MB | 106 MB |
| Age rating | 17+ | 17+ |
| Developer | Ellington Micro Finance Bank | SURGEPAY INC |
Customer experience
Ellicash
SurgePay
In-app purchases
Ellicash
No in-app purchases
SurgePay
No in-app purchases








