# Xtrade vs BPI

The clearest difference is rating: BPI at 4.8 against Xtrade's 3.6. BPI also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). Xtrade's advantage is update cadence (every 4 weeks vs every 2 months) and iOS requirement (13.4 vs 16.0). On price, review sentiment, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

BPI holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: BPI has 18K ratings behind it against 14, so its average is the more settled of the two. Written reviews complicate that: 30% of Xtrade's written reviews are positive against 28% of BPI's, so the app with the better star average is not the one people write more warmly about.

Xtrade ships an update every 4 weeks, BPI every 2 months. The most recent releases landed on October 20, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Xtrade | BPI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (14 ratings)](https://appshunter.io/ios/app/xtrade-online-trading/id864027750/reviews) | **[4.8 (18K ratings)](https://appshunter.io/ios/app/bpi/id6443950982/reviews)** |
| Number of ratings | 14 | **18K** |
| Positive reviews | **29.9% of reviews** | 28.1% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 4 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 88 MB | 197 MB |
| Requires iOS | **13.4** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [XTRADE EUROPE LTD](https://appshunter.io/developer/891831141) | [Bank of the Philippine Islands](https://appshunter.io/developer/459690073) |

## What reviewers say

### Xtrade

[App page](https://appshunter.io/ios/app/xtrade-online-trading/id864027750)

Access a comprehensive trading platform on your mobile device. Trade popular financial instruments with fast execution and robust security. Manage your account, set orders, and stay informed with financial news and economic event notifications.

**Highlights:** Trade financial instruments, Fast execution, Manage positions and orders, Check account balances and P&L, Economic event notifications, Financial news and updates, 24-hour support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Good advice and knowledge
- 👍 Strong knowledge from account managers
- 👍 Good results and withdrawals
- 👍 Powerful platform
- 👍 Excellent and committed account managers

**What reviewers complain about**

- 😞 Scam allegations
- 😞 Disappointment expected
- 😞 Not safe
- 😞 Rubbish and thieves
- 😞 Absolute nightmare

**Reported bugs**

- App crashes
- App full of bugs and glitches
- Ads pop up constantly
- App logs out when receiving messages
- App doesn't run in background

**Requested features**

- MetaTrader 4/5 integration
- Dark mode option
- Advanced analytics dashboard


### BPI

[App page](https://appshunter.io/ios/app/bpi/id6443950982)

Manage your finances on the go with this comprehensive banking application. Open accounts, transfer funds, pay bills, and utilize QR payments. Features include AI-powered financial planning, investment services, and secure transaction authorization.

**Highlights:** Online account opening, QR payments, Money transfers, Scheduled transactions, AI personal finance manager, Investment services, Mobile key for authorization

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth transfer experience
- 🔒 Secure authentication
- 👍 Convenient mobile banking
- 🙌 Improved app design

**What reviewers complain about**

- 🐛 Frequent crashes
- 🤯 Frustrating registration process
- 🤔 Confusing UI changes
- 🙅‍♀️ Not OFW-friendly
- 💔 Downgrade from previous app

**Reported bugs**

- Unable to register device
- OTP not received
- Transactions not processing
- Compatibility issues with newer devices

**Requested features**

- Allow multiple device registration
- Provide email-based OTP option
- Restore copy-paste functionality
- Add dark mode option


## Frequently asked questions

### Is Xtrade free?

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

### Is BPI free?

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

### Which has better reviews, Xtrade or BPI?

BPI is rated higher. Xtrade averages 3.6 out of 5 from 14 ratings, while BPI averages 4.8 from 18K ratings.

### Do Xtrade or BPI have ads?

Xtrade shows ads; BPI does not.

### Which is updated more often, Xtrade or BPI?

Xtrade ships an update every 4 weeks, and BPI every 2 months. Most recently, Xtrade was updated on October 20, 2026 and BPI on October 26, 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.*