Comparison

SurgePay vs Gainerly

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

Head to head
About

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.

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
Read full description

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.

About

Gainerly

Features
Read full description

Gainerly is a read-only Solana PnL and portfolio analytics app. Paste any public Solana address to view on-chain trading history, realized and unrealized PnL, closed positions, fees, NFTs, and trader research stats. Gainerly never asks for seed phrases or private keys and cannot move funds. Gainerly helps Solana traders understand what actually happened across their swaps. Paste any public Solana wallet address and see a clean, read-only PnL ledger built from public on-chain data. Gainerly includes sold tokens, realized gains and losses, fees, current holdings, NFTs, and wallet research stats so you can review the full story, not just what a wallet holds today. Most wallets show current balances. Gainerly helps answer the bigger question: did this wallet actually make money? Features: • Track any public Solana wallet • See realized and unrealized PnL • Count closed positions, not just current holdings • Review token-by-token trade history • Inspect fee-aware average cost basis • Watch whales, influencers, friends, and research wallets • View wallet stats like win rate, average ROI, risk, and hold time • Review NFTs held by a wallet • Export detected swaps to CSV with Pro • Create clean PnL share cards with Pro • Use optional Face ID app lock Read-only by design: Gainerly is not a wallet. It never asks for your seed phrase or private keys, never signs transactions, never custodies funds, and cannot move crypto assets. It uses public blockchain data only. Wallet intelligence and trader stats are provided for research and informational purposes only. Gainerly does not provide financial, investment, trading, tax, or legal advice. PRO SUBSCRIPTION Gainerly Pro is available as a monthly or annual auto-renewing subscription, or as a one-time lifetime purchase. • Monthly: $2.99/month • Annual: $19.99/year (~$1.67/month) • Lifetime: $39.99 (one-time purchase) Payment will be charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription in your App Store Account Settings after purchase. Any unused portion of a free trial period will be forfeited when a subscription is purchased. Privacy Policy: https://www.sysoftware.com/gainerly/privacy/index.html Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

SurgePay4 screens
Gainerly4 screens

Verdict

The call

The clearest difference is in-app purchases: SurgePay at none against Gainerly's 3. On price, ads, device support and iOS requirement 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. Gainerly sells 3 in-app purchases, starting at $2.99 per month. SurgePay asks for nothing beyond the download.

Scorecard1 real difference · 9 level
SurgePay versus Gainerly: the parameters behind the verdict, then further details
ParameterSurgePayGainerly
PriceFreeFree
Rating5.0 (8 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings8 — better—
Update frequencyMonthly—
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhoneiPhone
Requires iOS16.4 — better17.0
Further details — not scored
Size106 MB2 MB
Age rating17+12+
DeveloperSURGEPAY INCScott Yale

In-app purchases

None

SurgePay

No in-app purchases

3 purchases

Gainerly

Subscriptions2
  • Monthly$2.991 Month
  • Annual$19.991 Year
One-time1
  • Lifetime$39.99

Questions

Is SurgePay free?
SurgePay is free to download, with no in-app purchases.
Is Gainerly free?
Gainerly is free to download, with in-app purchases available.
Do SurgePay or Gainerly have ads?
Neither SurgePay nor Gainerly shows ads.

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