# myghpay vs UMB SpeedApp

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.

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

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.

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.

## The numbers

| Metric | myghpay | UMB SpeedApp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (325 ratings)](https://appshunter.io/ios/app/myghpay/id1245112133/reviews)** | [2.9 (65 ratings)](https://appshunter.io/ios/app/umb-speedapp/id1289570658/reviews) |
| Number of ratings | **325** | 65 |
| Positive reviews | **45.5% of reviews** | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 46 MB | 21 MB |
| Requires iOS | 15.1 | **11.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [GUARANTY TRUST BANK GHANA LTD](https://appshunter.io/developer/1245112132) | [Universal Merchant Bank Ltd](https://appshunter.io/developer/1289570657) |

## What reviewers say

### myghpay

[App page](https://appshunter.io/ios/app/myghpay/id1245112133)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy and convenient to access
- 🚀 Fast and reliable for payments
- 👍 User-friendly and simple interface
- 👍 Cheapest transaction fees
- 👍 Less charges, easy to transfer

**What reviewers complain about**

- 🐛 Transactions stuck on pending
- 🐛 Deducted money not reflected
- 🐛 Scam app allegations
- ❌ No support available
- 🐛 App acting funny

**Reported bugs**

- 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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/umb-speedapp/id1289570658)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*