Photo app to add text to a border

[AC Question]

Hi
Would anyone know if there is an app (preferably on Android but will consider IOS) where you can place text in a border.

To explain better I don't like putting text on the actual photo particularly as a lot of my work is in relation to family history/genealogy work. So what I'm looking for is an app where I could add a small border at the bottom of the photo in which I could add my text. I don't actually want to add the border around the whole photo just along the bottom.

Trust this makes sense.

Thanks in advance for any assistance

Cheers
Dax