Chango vs myghpay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Chango
This app allows users to easily create groups and manage contributions within them. It simplifies the process of collecting and organizing funds for shared purposes.
- Create groups
- Manage contributions
- Organize funds
- Simplified financial tracking
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The app provides consumers the ability to create groups and make contributions.
myghpay
This app facilitates secure and fast payments for a wide range of goods and services using your mobile money, cards, or bank account. It offers convenient features like remembering favorites and biometric authorization for seamless transactions.
- Mobile money payments
- Card payments (Visa/Mastercard)
- Bank account payments
- Biometric authorization (Face ID, biometrics, PIN)
- Receipt generation
- Payment for utilities and subscriptions
- Money transfers
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New year, an all-new improved myghpay! With a new look of convenience and modern security, Myghpay has been redesigned to ensure your transactions are faster and more secure! The app has been built with you in mind and allows you to make payments for goods, services or products from your mobile money wallet, Visa / Mastercard (Foreign or Local) or GTBank account anywhere you are in the world! A smarter app which remembers you and your favourite service, people and merchants, you can now authorize payments with face ID, biometrics or PIN and generate receipts on-the-fly! Myghpay is open to the general public. Log on to it by downloading the mobile app or visiting the website Myghpay.com. Among the numerous services and merchants you can make payments for are as follows – • Airtime Purchases • Vodafone Broadband • MTN data bundles • DSTV • GOTV • DSTV Box Office • Surfline • University of Ghana School Fees • Mobile money transfers (Bank-to-wallet; wallet-to-Bank & wallet-to-wallet) • Local Interbank transfers • Databank investments • FirstBanc investments • Ghana Water Company Limited (GWCL) • Electricity Company of Ghana (ECG) • …many more
Screenshots
Verdict
Chango and myghpay both sit at 4.7 stars, but that hides the real split: 100% of Chango's written reviews are positive against 45% of myghpay's. Chango also leads on update cadence (every 3 weeks vs every 8 months) and iOS requirement (9.0 vs 15.1). myghpay's advantage is ratings volume (317 vs 3). On price, rating, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.7 for Chango against 4.7 for myghpay. That said, the two scores are not equally well evidenced: myghpay has 317 ratings behind it against 3, so its average is the more settled of the two. Written reviews are what separate them: 100% of Chango's written reviews are positive against 45% of myghpay's.
Chango ships an update every 3 weeks, myghpay every 8 months. The most recent releases landed on October 12, 2026 and October 10, 2026 respectively.
| Parameter | Chango | myghpay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (3 ratings) | 4.7 (317 ratings) |
| Positive reviews | 100.0% of reviews — better | 45.5% of reviews |
| Number of ratings | 3 | 317 — better |
| Update frequency | Every 3 weeks — better | Every 8 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 9.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 68 MB | 46 MB |
| Age rating | 4+ | 4+ |
| Developer | IT Consortium | GUARANTY TRUST BANK GHANA LTD |
Customer experience
Chango
myghpay
Bugs and requests
Chango
Not enough reviews yet to summarise bugs or requests.
myghpay
Reported bugs
8 issues- Transactions stuck on pending for days
- Deducted money not reflected in account
- App automatically signs out and invalidates credentials
- App crashes on opening
- Updates to wallet payment on app does not reflect on website and vice versa
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- App only works with GT bank card
- No Visa debit section for payment
- Cannot go back after clicking buy airtime
Requested features
3 requests- Allow adding back deleted saved numbers sooner than a month
- Add Visa debit card payment option
- Fix inability to go back after clicking buy airtime
In-app purchases
Chango
No in-app purchases
myghpay
No in-app purchases
