Comparison

Cyclos vs UGLYCASH

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

Head to head
About

Cyclos

This app connects to your organization's banking services, enabling mobile payments, account management, and e-commerce features. It offers secure transactions, contact management, and a marketplace for shopping and vouchers.

Highlights
  • Mobile payments
  • Account balance and history
  • Contact management
  • Marketplace and shopping cart
  • Voucher management
  • Receive payments via NFC/QR
  • Fingerprint authentication
Features
Read full description

Cyclos is online banking software with additional modules such as e-commerce and communication tools. Cyclos has been made available by the NGO STRO (Social Trade Organization). If your organization uses Cyclos and has mobile banking enabled you can use this app to connect to the banking services provided by your organization. Features: - Easy payments - Check your account balance - Check your payment history - Manage your contacts - View profile of other users - Register new user - Fingerprint authentication - Marketplace & shopping cart - View nearby businesses on Map - Buy and redeem Vouchers (with camera / QR code) - Receive payments (POS), using NFC card, QR code (camera), card number, and other identification methods - Send payment request to other channels (whatsapp, email) - Print payment receipts - Read announcements through mobile pages - Create your own custom operations - Customize logo, fixed URL, layout (white-label) How does it work? The first time you start the mobile app you will have to enter the URL of your organization. After selecting the `Submit` button you can login with your user name and password. If you just want to test the mobile app you can connect to the Cyclos demo site. This can be done by entering the URL demo.cyclos.org at the setting page (gear wheel icon at the top right) and logging in with an existing Cyclos demo user account. If you do not have a demo account you can register one at the Cyclos site (https://demo.cyclos.org). You can also use the pre registered demo user account (user: demo1 password: 1234) to login directly with the mobile app. www.cyclos.org/mobilebanking www.socialtrade.org

About

UGLYCASH

This app provides global financial services, including high annual rewards on your balance and fee-free, instant domestic and cross-border payments to Latin America. It also offers a Visa card with 1% cashback on all purchases and dedicated member advisors.

Highlights
  • High annual rewards on balance
  • 0 fee domestic and cross-border payments to Latin America
  • Instant payments via messaging apps
  • Visa card with 1% cashback
  • Dedicated member advisor support
  • No maintenance fees or minimum balance
Features
Read full description

UGLYCASH offers you the global financial services that your bank won’t do: High Annual Rewards on your balance. Domestic and cross-border payments to Latin America for $0 fee and instant. Visa card with 1% Cashback on all your purchases. What’s in it for UGLYCASH members? ANNUAL REWARDS ON YOUR BALANCE - Get high rewards on your balance and extra APY bonus. - Your funds are always available for withdrawal or spending. SEND DOMESTIC AND CROSS-BORDER PAYMENTS TO LATIN AMERICA FOR $0 - The international Venmo. Send as you would with Venmo, Cash App or Zelle within the U.S., and abroad to: Argentina, Chile, Colombia, Costa Rica, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Panama, Paraguay, Peru, Dominican Republic, and Uruguay. - Send via WhatsApp, Instagram, SMS, iMessage, Messenger or any other app that can receive links. - Send abroad without PayPal fees. - Great for small amounts (minimum transfer: $1). VISA CARD TO SPEND WITH 1% CASHBACK (SOON) - A virtual and physical Ugly Visa card. - 1% cashback on all purchases. - Spend anywhere Visa is accepted. - Withdraw cash from ATMs. - $0 maintenance fee $0 minimum balance MEMBER ADVISOR - You’ll be paired with a real person from our team who is dedicated to improving your app experience - This real person will know your name, and you’ll know theirs - Your member advisor is available to support you whenever you need assistance via chat or scheduled meeting Your bank won’t do this - More about us: UGLYCASH is a financial services platform, not a bank. **Services and features described may vary for users in different countries and/or regions. Check for eligible states. Best Friend Finance, LLC

Screenshots

Cyclos4 screens
UGLYCASH4 screens

Verdict

The call

The clearest difference is rating: Cyclos at 5.0 against UGLYCASH's 4.4. Cyclos also leads on iOS requirement (13.0 vs 15.1). UGLYCASH's advantage is review sentiment (64% vs 33%) and ratings volume (543 vs 1). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Cyclos holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: UGLYCASH has 543 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 33% of Cyclos's written reviews are positive against 64% of UGLYCASH's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Cyclos ships an update every 2 months, UGLYCASH every 4 weeks. The most recent releases landed on October 6, 2026 and October 16, 2026 respectively.

Scorecard5 real differences · 5 level
Cyclos versus UGLYCASH: the parameters behind the verdict, then further details
ParameterCyclosUGLYCASH
PriceFreeFree
Rating5.0 (1 ratings) — better4.4 (543 ratings)
Positive reviews33.3% of reviews63.7% of reviews — better
Number of ratings1543 — better
Update frequencyEvery 2 monthsEvery 4 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size14 MB120 MB
Age rating4+17+
DeveloperCyclosBest Friend Finance, LLC

Customer experience

Cyclos

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

UGLYCASH

All ratings543 ratings
Positive85.1%
Neutral2.2%
Negative12.7%
Written reviews102 reviews
Positive63.7%
Neutral2.9%
Negative33.3%

Bugs and requests

Cyclos

Not enough reviews yet to summarise bugs or requests.

UGLYCASH

Reported bugs

4 issues
  • Frequent app crashes and login issues
  • Unreliable transaction tracking and history
  • Compatibility problems with older devices
  • Verification and onboarding process delays

Requested features

5 requests
  • Add more payment options and integrations
  • Improve transaction speed and reliability
  • Expand service coverage to more regions
  • Provide more transparency on fees and policies
  • Enhance security and account management features

In-app purchases

None

Cyclos

No in-app purchases

None

UGLYCASH

No in-app purchases

Questions

Is Cyclos free?
Cyclos is free to download, with no in-app purchases.
Is UGLYCASH free?
UGLYCASH is free to download, with no in-app purchases.
Which has better reviews, Cyclos or UGLYCASH?
Cyclos is rated higher. Cyclos averages 5.0 out of 5 from 1 ratings, while UGLYCASH averages 4.4 from 543 ratings.
Do Cyclos or UGLYCASH have ads?
Neither Cyclos nor UGLYCASH shows ads.
Which is updated more often, Cyclos or UGLYCASH?
Cyclos ships an update every 2 months, and UGLYCASH every 4 weeks. Most recently, Cyclos was updated on October 6, 2026 and UGLYCASH on October 16, 2026.

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