SurfCash vs Bit Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SurfCash
Manage your cryptocurrency for everyday use. Spend, send, earn yield on stablecoins, borrow cash against your crypto, and purchase international eSIMs. Discover crypto-friendly locations and stake tokens for rewards.
- Crypto-powered eSIMs for 190+ countries
- Earn yield on stablecoins
- Borrow cash against crypto
- Convert USDC to local currency
- Send crypto by username or QR code
- Stake SURF for rewards
- Discover crypto-friendly locations
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SurfCash — Spend, Send, Earn & Travel with Crypto The easiest way to put your crypto to work — pay anywhere, earn yield, borrow cash, and stay connected abroad with crypto-powered eSIMs. STAY CONNECTED ANYWHERE Buy eSIMs for 190+ countries with crypto. Install in seconds, activate on arrival, skip roaming fees. EARN ON YOUR STABLECOINS Grow idle crypto with transparent on-chain yield. Choose from earning options including USD* Protected and Breeze — no lockups, no banks. BORROW AGAINST YOUR CRYPTO Need cash without selling? Use your crypto as collateral and unlock instant liquidity inside the app. SPEND & CONVERT Convert USDC to local currency in seconds. Pay via VietQR, PromptPay, PIX, and more across Asia and Latin America. SEND & SWAP Send crypto to friends by username or QR code. Swap between USDC, SOL, SURF, and more in a few taps. STAKE & EARN REWARDS Stake SURF to earn weekly rewards, delivered as scratch cards you reveal to claim. NON-CUSTODIAL & SECURE Your keys, your crypto. Funds are secured on your device — we never have access. PASSPORT Find crypto-friendly restaurants, cafes, and shops near you on the interactive map. EVERYTHING IN ONE APP: • eSIMs in 190+ countries • Earn yield with USD* Protected & Breeze • Borrow against your crypto • USDC to local currency conversion • Non-custodial wallet • Send by username, pay by QR • Token swaps (USDC, SOL, SURF + more) • SURF staking with scratch card rewards • Referral rewards • Apple Sign In support SurfCash is not a bank. We're a bridge between crypto and everyday life — spend, earn, borrow, or travel, all from one app.
Bit Pay
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Bit Pay é uma plataforma de gerenciamento voltada para estabelecimentos comerciais, permitindo aos usuários monitorar e visualizar suas transações financeiras de forma centralizada. Embora não realize transações diretamente, a ferramenta oferece um ambiente seguro e organizado para acompanhar vendas, visualizar o status de pagamentos, e gerar relatórios financeiros. Ideal para comerciantes que buscam uma maneira eficiente de controlar suas operações financeiras sem a necessidade de processar pagamentos diretamente na plataforma.
Screenshots
Verdict
The clearest difference is update cadence: SurfCash at fortnightly against Bit Pay's monthly. On price, ads, in-app purchases and device support 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.
SurfCash ships an update fortnightly, Bit Pay monthly. The most recent releases landed on October 30, 2026 and October 10, 2026 respectively.
| Parameter | SurfCash | Bit Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 101 MB | 101 MB |
| Age rating | 17+ | 17+ |
| Developer | Laughing Buddha Ventures Ltd | Stalo Servicos de Tecnologia LTDA |
In-app purchases
SurfCash
No in-app purchases
Bit Pay
No in-app purchases
