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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

All In CU vs Xe Money Transfer & Currency

All In CU 4.8★ · Free to download 70
Winner Tie
Xe Money Transfer & Currency 4.8★ · Free to download 65

For core banking needs, All In CU is generally preferred by its long-term users despite recent app issues, while Xe Money Transfer & Currency is better for international currency conversion and transfers, though it struggles with app stability.

Full reviews: All In CU · Xe Money Transfer & Currency

All In CU provides a comprehensive banking experience with strong customer service, but its app has faced recent stability and usability issues. Xe Money Transfer & Currency excels at currency conversion and international transfers, but its app is plagued by frequent crashes and missing features like widgets and dark mode.

Head to head

Features tieR1R5R8R14
All In CU All In CU offers standard banking features like bill pay, mobile check deposit, and account management, which long-term users appreciate R5R8. However, recent updates have made bill pay less intuitive R1R25 and some users report issues with mobile check deposits taking longer to process . There's also a desire for features like linking credit cards within the app and earlier direct deposits R14.
Xe Money Transfer & Currency Xe Money Transfer & Currency is primarily used for currency exchange rates and international money transfers . Users value its accuracy and ease of use for these functions . However, recent updates have removed the Russian Ruble, making the app useless for some users R70R73R94. Users also frequently request features like a dark mode , an iOS widget for quick rate updates , and the ability to paste numbers into the converter .
Ease of Use tieR6R8R9R25
All In CU Many users find All In CU's app easy and convenient for basic banking R8. However, recent updates have introduced complexity, making it less intuitive for some, particularly with bill pay R6R9R25. Some users also report difficulties with loan payments and managing account information .
Xe Money Transfer & Currency Xe Money Transfer & Currency is generally praised for being fast and easy to use for its core function of currency conversion and transfers . However, the inability to paste values into the converter is a significant inconvenience for many . Some users also report connection issues even with a strong internet signal .
Reliability edge: All In CUR4R12R15R18
All In CU All In CU's app has significant reliability issues, with users reporting it frequently doesn't load R4, crashes often , or logs them out unexpectedly R15. Some users have to delete and reinstall the app multiple times to get it to work R12, and others experience problems connecting to the internet despite having a strong signal R18.
Xe Money Transfer & Currency Xe Money Transfer & Currency suffers from severe reliability problems, with numerous recent reviews indicating the app crashes immediately upon opening R64R82. Users report these issues persist even after reinstalling the app and restarting their devices. Some also mention constant updating is required, which can be inconvenient without Wi-Fi .
Price/Value tieR31R34R49R53
All In CU All In CU is a credit union, and many users express satisfaction with the overall value, including services like overdraft protection and help with debt consolidation R34. However, some users report issues with loan denials despite good credit R31 or being misled about loan rates . There are also complaints about unexpected fees or money being taken from accounts R49R53.
Xe Money Transfer & Currency Xe Money Transfer & Currency is free to download, and users generally appreciate the accurate exchange rates and ease of transferring money . However, some users report issues with money transfers being held for weeks or accounts being arbitrarily closed with funds held . There are also complaints about inaccurate exchange rates being displayed .
Support edge: All In CUR2R7R17R21
All In CU All In CU receives high praise for its customer service, with many users highlighting helpful and professional staff who resolve issues R2R17R28R32. However, some users have negative experiences, citing unhelpful or unfriendly staff R21, long waits for debit cards R7, or staff being unable to assist with app login issues .
Xe Money Transfer & Currency Xe Money Transfer & Currency's support for money transfers is described as sketchy, with users finding it difficult to communicate with them like a typical financial institution . One user reported their account was closed arbitrarily and support refused to provide a reason .
Pick All In CU if

Pick All In CU if you are looking for a credit union with generally good customer service and a comprehensive banking app, and you are willing to tolerate occasional app glitches and recent changes to features like bill pay R2R8R28.

Pick Xe Money Transfer & Currency if

Pick Xe Money Transfer & Currency if your primary need is accurate currency conversion and international money transfers, and you are willing to deal with frequent app crashes and the absence of some requested features like widgets or dark mode R64.

Evidence note: Reviews for All In CU are more balanced, with strong positive feedback on customer service and overall banking experience, alongside specific complaints about the app. Reviews for Xe Money Transfer & Currency are heavily skewed towards recent app crashing issues, making it difficult to assess other aspects of the app's performance from current feedback.

Frequently asked

Does All In CU's app have issues with bill pay?
Yes, some users of All In CU's app have reported dissatisfaction with recent updates to the bill pay feature, finding it less intuitive and unable to turn bills on or off from the app R1R9R25.
Why is Xe Money Transfer & Currency getting low ratings recently?
Xe Money Transfer & Currency has received many low ratings recently due to severe app instability, with numerous users reporting that the app crashes immediately upon opening after recent updates, making it unusable R64R82R88R100.
Can I use Xe Money Transfer & Currency offline?
While the app used to support offline use, a user reported disappointment that they can no longer use Xe Money Transfer & Currency offline and are looking for an alternative R81.
Does All In CU have good customer service?
Yes, many All In CU users praise their customer service, describing staff as helpful, professional, and effective at resolving account issues R2R17R28R32.
Has Xe Money Transfer & Currency removed any currencies?
Yes, Xe Money Transfer & Currency has removed the Russian Ruble (RUB) from its currency list, which has made the app useless for some users who relied on it for conversions R70R73R94.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] All In CU 2/5 · US Bill pay: I don’t like the new bill pay and you can’t use the app to turn bills on or off .
  2. [R5] All In CU 5/5 · US Love All In: Love the app features
  3. [R8] All In CU 5/5 · US So Convenient: So thankful this app is super easy and convenient. Makes some part of our life easy.
  4. [R14] All In CU 5/5 · US Love this bank: Love this bank and the banking app, only this I wishes that direct deposit would come 2 days early besides that everything is Perfect!
  5. [R6] All In CU 3/5 · US Decent: I used to love the app its simplicity was always nice and easy to check your bank account. They keep doing updates and adding more and more and changing things in the app it’s honestly just overall a worse app now which I is why I’m writing this review I don’t want to go thru hoops and bounds to check a number
  6. [R9] All In CU 3/5 · US Used to be great once: What used to be a great banking app is now marginal and frequently doesn’t work. All they had to do was NOTHING! Literally don’t mess with it. Now it’s counterintuitive on usability and bill pay frequently doesn’t work. I just don’t understand the need to mess something up that worked great. But not now!
  7. [R25] All In CU 1/5 · US Recent BillPay update is awful: No easy way to schedule all payments and can’t see what is scheduled without completely opening the recipient. Go back to old drag the date method with a list of planned payments easily seen.
  8. [R4] All In CU 1/5 · US Can’t even see what I got…: App doesn’t like to load most days. This update is the worst one yet.
  9. [R12] All In CU 3/5 · US App Issues: The app is awesome! But I can’t open the app sometimes AT ALL and have to completely delete the app and download it again. This has happened multiple times and it is frustrating at this point. Please fix this!!
  10. [R15] All In CU 3/5 · US The app: Something is wrong with the app it has logged me completely out with out me even knowing and i tried to put my password in but it didn’t work its a good bank but bad app!!!
  11. [R18] All In CU 3/5 · US Will not connect: I really love this app....when it’s working. Even though I am connected to the internet it states that “Sorry. It appears your device is not connected to the internet. Please connect and try again”. Now it’s been doing this since Oct 28th and it’s has connected once. That’s it. And there seems to be no way for me to fix it.
  12. [R31] All In CU 1/5 · US Loan: I applied for a small personal $10k. I have almost a 720 score. Yet I get denied. I’ve run into a tight spot and needed a hand. I’m worried about losing my credit score. This bank doesn’t care. Because if your credit score is low. They can charge you more.
  13. [R34] All In CU 5/5 · US Very Happy!: This was the best decision I’ve made to consolidate some of my debt! I couldn’t be happier!
  14. [R49] All In CU 1/5 · US Taking over 100 dollars from me: At first I thought all in was the best bank out, until they randomly started taking money from me and tried to cover it up by saying “its a service from us” like they were doing me a favor by RANDOMLY WITH NO REAL EXPLANATION why they took it so I close the account indefinite. If I could give 0 stars I definitely would.
  15. [R53] All In CU 1/5 · US worst customers care: i have automatic payment ,long time i didn’t check my all in Mobile app,one day i check i saw they add extra 1500 dollar and i call them they told me ,they didn’t received my inc. and also said if u give me ur ins. we will refund ur money then i was give them my inc. and fixed it what they want,now they told me they cannot refund money so i can say that’s worst company in hi
  16. [R2] All In CU 5/5 · US All in attention: All In Credit Union has done me right I’ve transferred virtually everything I have into their institution no hiccups no regrets
  17. [R7] All In CU 1/5 · US Junk mail: All In can send me all kinds of junk mail, but I have been waiting since March to get my debit card. It seems that it’s an impossible task. I’ve been a member for over 20 years. I think three months is a long time to wait for a debit card. I’ve been patient and I’ve heard every excuse under the sun. Yet I receive every insurance mortgage advertisement propaganda request, but they can’t
  18. [R17] All In CU 5/5 · US Passwords complications..: I had called regarding the fact it wouldn’t let me in my account with all the right credentials, the lady who I was otp with was so calm and helped me out greatly
  19. [R21] All In CU 3/5 · US Could do a better job: Some are not as friendly as they should be and some have no idea what they are doing. Interaction with some on Andrews Ave in Ozark and she made mistakes and did not apologize when it cost the customer money!!!!
  20. [R64] Xe Money Transfer & Currency 1/5 · US Brokern and won’t work: I used this app for years. 3 weeks ago it refused to open. When i click on open it shuts down immediately. I have deleted and reinstalled but it refuses to open.
  21. [R82] Xe Money Transfer & Currency 1/5 · US Latest update crashes on all devices: The app was updated 2 days ago and now it crashes immediately upon launch. It shows the splash screen and then crashes. I’ve deleted and reinstalled on my iPad and iPhone with no change. Don’t update until they fix it.
  22. [R88] Xe Money Transfer & Currency 1/5 · US Update messed things up: I love this app, but the recent update at least for iOS has the app not even able to open I uninstalled reinstalled the app asked me questions and then it closes and it won’t reopen
  23. [R100] Xe Money Transfer & Currency 1/5 · US Has not worked in weeks: It seems a few weeks ago, and there have been multiple app updates since, but the app opens and immediately crashes now. It no longer works.
  24. [R81] Xe Money Transfer & Currency 3/5 · US Offline use: I like the app. I used the app for years, but now I am looking for an alternative because it’s disappointing that I cannot use the app offline.
  25. [R28] All In CU 5/5 · US All in CU: I love banking it all in credit union. They are fantastic people to work with help you resolve any issues you may have with your accounts.
  26. [R32] All In CU 5/5 · US The Best: After seeing firsthand how they dealt with my Aunt who has had an account with them for decades, I was extremely impressed. I highly recommend using them for any of your banking and saving needs. Plus more. They are professional, courteous and kind. Top notch Service!
  27. [R70] Xe Money Transfer & Currency 1/5 · US Ruble: Add back the Ruble. It’s idiocy to not include it
  28. [R73] Xe Money Transfer & Currency 1/5 · US Really?: Removing the Russian ruble made this app useless for me. Millions of Russians live abroad and still need to convert rubles because our families are still in Russia. The currency still exists, so removing it for political reasons only hurts your users. Very disappointing.
  29. [R94] Xe Money Transfer & Currency 1/5 · US Extremely disappointed: Extremely disappointed. XE quietly removed the Russian Ruble (RUB) from its currency list. A 'world currency converter' that doesn't support all major currencies is useless. What's next, will they silently delete the Israeli Shekel tomorrow? I don't trust this app anymore. There are plenty of better alternatives out there. Uninstalling.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store