# SurgePay vs XBNK

The clearest difference is ads: SurgePay at none against XBNK's shown. SurgePay also leads on monetization model (free vs ad-supported) and ratings volume (8 vs 1). On price, rating, review sentiment 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 XBNK. That said, the two scores are not equally well evidenced: SurgePay has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.

SurgePay ships an update monthly, XBNK every 2 weeks. The most recent releases landed on October 9, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | SurgePay | XBNK |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (8 ratings)](https://appshunter.io/ios/app/surgepay/id6748153951/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/xbnk/id6760293685/reviews) |
| Number of ratings | **8** | 1 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 106 MB | 58 MB |
| Requires iOS | 16.4 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [SURGEPAY INC](https://appshunter.io/developer/1824489402) | [Xbnk Tech Limited](https://appshunter.io/developer/1883670722) |

## 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


### XBNK

[App page](https://appshunter.io/ios/app/xbnk/id6760293685)

Manage your digital assets with this comprehensive crypto wallet. Buy, sell, swap, and track your portfolio in real-time. Earn yield on your holdings and utilize secure transaction features.

**Highlights:** Portfolio tracking, Buy and sell crypto, Instant token swaps, Earn yield on assets, Transaction history, KYC verification, PIN and biometric security

**In-app purchases:** none


## Frequently asked questions

### Is SurgePay free?

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

### Is XBNK free?

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

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

SurgePay and XBNK are both rated 5.0 out of 5 on the App Store, from 8 and 1 ratings respectively.

### Do SurgePay or XBNK have ads?

XBNK shows ads; SurgePay does not.

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

SurgePay ships an update monthly, and XBNK every 2 weeks. Most recently, SurgePay was updated on October 9, 2026 and XBNK 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.*