# SurgePay vs Xendra

The clearest difference is rating: SurgePay at 5.0 against Xendra's 4.2. Xendra's advantage is update cadence (weekly vs monthly). On price, ratings volume, ads and in-app purchases there is nothing between them.

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 4.2. Both are backed by a comparable volume of ratings — 8 and 5 respectively.

SurgePay ships an update monthly, Xendra weekly. The most recent releases landed on October 9, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | SurgePay | Xendra |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (8 ratings)](https://appshunter.io/ios/app/surgepay/id6748153951/reviews)** | [4.2 (5 ratings)](https://appshunter.io/ios/app/xendra/id6811975789/reviews) |
| Number of ratings | **8** | 5 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | Free | — |
| Size | 106 MB | 28 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [SURGEPAY INC](https://appshunter.io/developer/1824489402) | [NATHALIE LOEVDAL](https://appshunter.io/developer/6811975791) |

## 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


### Xendra

[App page](https://appshunter.io/ios/app/xendra/id6811975789)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SurgePay free?

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

### Is Xendra free?

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

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

SurgePay is rated higher. SurgePay averages 5.0 out of 5 from 8 ratings, while Xendra averages 4.2 from 5 ratings.

### Do SurgePay or Xendra have ads?

Neither SurgePay nor Xendra shows ads.

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

SurgePay ships an update monthly, and Xendra weekly. Most recently, SurgePay was updated on October 9, 2026 and Xendra 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.*