Comparison

myghpay vs UMB SpeedApp

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

UMB SpeedApp

Manage your bank accounts and perform financial transactions conveniently and securely. Monitor your accounts in real-time, pay bills, transfer funds, and access various banking services through this digitized channel.

Highlights
  • Check account balances
  • View transaction history
  • Airtime top-up
  • Bill payment
  • Request services
  • Funds transfer
  • Loan services
Features
Read full description

Full Description: Enjoy convenient and secure banking with this innovative digitized channel. The available services offer flexibility with account management and the ease of executing financial transactions seamlessly. Customers benefit from real time account monitoring in a secure and simplified way. Some of the key features of the UMB SpeedApp include the following: Check Account Balances -Check Transaction History -Airtime top up for Self & Others -Bill Payment Services -Request Services – Statement, Cheque Book, etc. -Locate Us – Branch & ATM -Product Information -Bancassurance Services -Funds Transfer Services -Loan Services -Investment Services -Card Services -Standing Order Services -Forex Rates -My Profile

Screenshots

myghpay4 screens
UMB SpeedApp4 screens

Verdict

The call

The clearest difference is rating: myghpay at 4.7 against UMB SpeedApp's 2.9. myghpay also leads on review sentiment (45% vs 17%) and ratings volume (325 vs 65). UMB SpeedApp's advantage is update cadence (every 3 months vs every 8 months) and iOS requirement (11.1 vs 15.1). On price, ads, in-app purchases and monetization model 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

myghpay holds the better App Store score, 4.7 against 2.9. That said, the two scores are not equally well evidenced: myghpay has 325 ratings behind it against 65, so its average is the more settled of the two. Written reviews point the same way: 45% of myghpay's written reviews are positive against 17% of UMB SpeedApp's.

UpkeepUpdate frequency

myghpay ships an update every 8 months, UMB SpeedApp every 3 months. The most recent releases landed on October 29, 2026 and October 23, 2026 respectively.

Scorecard5 real differences · 5 level
myghpay versus UMB SpeedApp: the parameters behind the verdict, then further details
ParametermyghpayUMB SpeedApp
PriceFreeFree
Rating4.7 (325 ratings) — better2.9 (65 ratings)
Positive reviews45.5% of reviews — better16.7% of reviews
Number of ratings325 — better65
Update frequencyEvery 8 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.111.1 — better
Further details — not scored
Size46 MB21 MB
Age rating4+4+
DeveloperGUARANTY TRUST BANK GHANA LTDUniversal Merchant Bank Ltd

Customer experience

myghpay

All ratings317 ratings
Positive91.8%
Neutral4.7%
Negative3.5%
Written reviews22 reviews
Positive45.5%
Neutral13.6%
Negative40.9%

UMB SpeedApp

All ratings64 ratings
Positive45.3%
Neutral3.1%
Negative51.6%
Written reviews18 reviews
Positive16.7%
Neutral0.0%
Negative83.3%

Bugs and 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
Show 3 more
  • 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

UMB SpeedApp

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

myghpay

No in-app purchases

None

UMB SpeedApp

No in-app purchases

Questions

Is myghpay free?
myghpay is free to download, with no in-app purchases.
Is UMB SpeedApp free?
UMB SpeedApp is free to download, with no in-app purchases.
Which has better reviews, myghpay or UMB SpeedApp?
myghpay is rated higher. myghpay averages 4.7 out of 5 from 325 ratings, while UMB SpeedApp averages 2.9 from 65 ratings.
Do myghpay or UMB SpeedApp have ads?
Neither myghpay nor UMB SpeedApp shows ads.
Which is updated more often, myghpay or UMB SpeedApp?
myghpay ships an update every 8 months, and UMB SpeedApp every 3 months. Most recently, myghpay was updated on October 29, 2026 and UMB SpeedApp on October 23, 2026.

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