Best Xcrosscash Apps

184+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated June 2026

Finding the right xcrosscash apps can be overwhelming with so many options. We've analyzed 184+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Xcrosscash Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Kredi – Loan, Savings & BillsKredi – Loan, Savings & BillsFree3.0★ (120)NoNoAug 2026
2MonibacMonibacFree2.7★ (61)NoNoAug 2026
3Carbon: Mobile Banking & LoansCarbon: Mobile Banking & LoansFree4.5★ (10K)NoNoSep 2026
4EasyLoans: Compare LoansEasyLoans: Compare LoansFree3.6★ (398)NoNoSep 2026
5GCashGCashFree3.3★ (2.8K)NoNoSep 2026
6Copper: Earn CashCopper: Earn CashFree4.7★ (96K)YesNoSep 2026
7Changelly Exchange・Buy CryptoChangelly Exchange・Buy CryptoFree4.6★ (6.3K)NoNoSep 2026
8OKX: Buy Bitcoin BTC & CryptoOKX: Buy Bitcoin BTC & CryptoFree4.6★ (23K)NoNoSep 2026

Top Picks for Xcrosscash

Kredi – Loan, Savings & Bills#1

Kredi – Loan, Savings & Bills by KREDI MONEY MICROFINANCE BANK LIMITED

Save, pay bills, & get loan
Editor's Choice
💰 Finance
3.0😐(120 ratings)
Free
Kredi – Loan, Savings & Bills screenshot 1
Kredi – Loan, Savings & Bills screenshot 2
Kredi – Loan, Savings & Bills screenshot 3
Kredi – Loan, Savings & Bills screenshot 4
Kredi – Loan, Savings & Bills screenshot 5

Manage your finances with this all-in-one Nigerian finance app. It offers instant loans, automated savings with competitive interest rates, and seamless bill payments. You can also transfer money, receive payments, and get insurance for your devices and health.

What We Love

  • 🚀 Fast and reliable services
  • 👍 User-friendly interface
  • 💡 Easy to use
  • ✅ Nice banking platform
  • 🌟 Best app encountered
  • 💯 Security is 100% reliable
  • 💰 Easy savings
  • 💳 Quick loans with low charges
  • ✉️ Prompt customer service
  • ⚡ Fast transactions
  • 📲 Intuitive application
  • 🛍️ Immediate airtime/data delivery
  • 🏦 Easy account opening
  • 💳 Smooth and fast transfers
  • ✨ Remarkable app
  • 😊 Wonderful and reliable

Room to Improve

  • ❌ Invalid account errors
  • 📉 Loan eligibility issues
  • 🚫 No customer care response
  • ⚠️ Error code status 404
  • 📷 Cannot upload pictures
  • 💸 High charges for transfers
  • 💰 Money deducted without service
  • ❌ Account locked with funds
  • 💳 Debited without receiving loan
  • ❌ Ineligible for further loans
  • 🚫 Cannot delete account/cards
  • ❌ Failed transactions
  • ❓ Referral code required for signup
  • 🚫 Not eligible for services
  • 📉 Poor customer care
  • 💳 Cannot withdraw money
  • 🚫 No refund for failed transactions
  • 🏦 Funds debited but not credited
  • ❌ Issues signing up
Monibac#2

Monibac by Prime Zone Limited

Get access to loans on Monibac
Strong Contender
💰 Finance
2.7(61 ratings)
Free
Monibac screenshot 1
Monibac screenshot 2
Monibac screenshot 3
Monibac screenshot 4
Monibac screenshot 5

Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

Carbon: Mobile Banking & Loans#3

Carbon: Mobile Banking & Loans by Carbon Finance and Investments Limited

Save Money|Transfers| Loans
Worth Considering
💰 Finance
4.5😐(10K ratings)
Free
Carbon: Mobile Banking & Loans screenshot 1
Carbon: Mobile Banking & Loans screenshot 2
Carbon: Mobile Banking & Loans screenshot 3
Carbon: Mobile Banking & Loans screenshot 4
Carbon: Mobile Banking & Loans screenshot 5
Carbon: Mobile Banking & Loans screenshot 6

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

What We Love

  • 🚀 Fast and reliable
  • 💡 Great mobile banking app
  • 👍 Awesome features
  • 🤟 Best loan app
  • 🤑 Affordable interest rates

Room to Improve

  • 🐛 Frequent app crashes
  • 🤯 Poor customer service
  • 💸 High interest rates
  • 🔒 Security and account access issues
  • 🤖 Unreliable app performance

More Xcrosscash apps to explore

FAQ about Xcrosscash

What are the best xcrosscash apps for iPhone?
Kredi – Loan, Savings & Bills tops our xcrosscash apps ranking as of June 2026, with a 3.0-star average from 120 App Store ratings, and it's free to download.
Yes — 20 of the top xcrosscash apps we rank are free to download, including Kredi – Loan, Savings & Bills and Monibac.
Kredi – Loan, Savings & Bills has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 184+ xcrosscash apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
Kredi is an all-in-one finance app designed for users in Nigeria. It allows you to take out instant loans, set up automated savings plans with competitive interest rates, and pay various bills such as cable TV, utilities, and betting services. It also facilitates money transfers and receiving payments.
Key features include nano loans up to ₦50,000, multiple savings products like Kredi Vault (up to 23% interest) and Kredi Safelock (18% interest), fast intrabank and interbank transfers, seamless bill payments, airtime top-ups, and the ability to manage your Kredi Mastercard. It also offers insurance options for phones, POS devices, and health.