# SurgePay vs MXI

SurgePay and MXI both sit at 5.0 stars, but that hides the real split: 100% of SurgePay's written reviews are positive against 83% of MXI's. On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 5.0 for SurgePay against 5.0 for MXI. Both are backed by a comparable volume of ratings — 8 and 6 respectively. Written reviews are what separate them: 100% of SurgePay's written reviews are positive against 83% of MXI's.

SurgePay ships an update monthly, MXI every 5 weeks. The most recent releases landed on October 9, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | SurgePay | MXI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (8 ratings)](https://appshunter.io/ios/app/surgepay/id6748153951/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/mxi/id6755379177/reviews) |
| Number of ratings | **8** | 6 |
| Positive reviews | **100.0% of reviews** | 83.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 106 MB | 55 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [SURGEPAY INC](https://appshunter.io/developer/1824489402) | [Monerex](https://appshunter.io/developer/1853511380) |

## What reviewers say

### SurgePay

[App page](https://appshunter.io/ios/app/surgepay/id6748153951)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### MXI

[App page](https://appshunter.io/ios/app/mxi/id6755379177)

Send and receive money globally with virtual USD bank accounts and stablecoin support. Facilitates instant peer-to-peer transfers, international payments, and business payouts. Offers virtual cards for secure worldwide spending.

**Highlights:** International money transfers, Virtual USD bank accounts, USDC stablecoin support, Peer-to-peer transfers, Virtual payment cards, Mass payouts for businesses

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is SurgePay free?

SurgePay is free to download, with no in-app purchases.

### Is MXI free?

MXI is free to download, with no in-app purchases.

### Which has better reviews, SurgePay or MXI?

SurgePay and MXI are both rated 5.0 out of 5 on the App Store, from 8 and 6 ratings respectively.

### Do SurgePay or MXI have ads?

Neither SurgePay nor MXI shows ads.

### Which is updated more often, SurgePay or MXI?

SurgePay ships an update monthly, and MXI every 5 weeks. Most recently, SurgePay was updated on October 9, 2026 and MXI on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*