Comparison

myghpay vs Affinity

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

Affinity

This digital financial institution offers inclusive banking solutions with a user-friendly interface. Access banking services 24/7, open accounts with KYC, and manage transfers, bill payments, and investments affordably. It is licensed and regulated by the Bank of Ghana.

Highlights
  • User-friendly interface
  • 24/7 banking access
  • Licensed and regulated
  • Affordable accounts and loans
  • Seamless money transfers
  • Effortless bill payments
  • Investment opportunities
Read full description

We are a fully digital financial institution committed to providing inclusive banking solutions for the majority. Key Features: • User-friendly interface: the Affinity app is designed for everyone in mind, ensuring a seamless and intuitive banking experience. • 24/7 banking: enjoy round-the-clock access to banking services at an affordable cost, right from your fingertips. • Licensed and regulated: rest assured, Affinity is licensed and regulated by the Bank of Ghana, prioritizing the security and trust of our users. • Affordable products: accessible to all and enjoyed by thousands, Affinity offers affordable current, savings, and investment accounts, along with loan options. • Account opening with KYC verification: join Affinity hassle-free with our streamlined KYC verification process. • Money transfers: seamlessly transfer funds between banks and mobile money accounts. • Bill payments: settle your bills effortlessly using our secure platform. • Investments: explore diverse investment opportunities to grow your wealth. • Support: our dedicated support team is ready to assist you whenever you need help. Key Products: • Daily Account: designed for your everyday banking needs, it is transactional and provides easy access to your funds. It works like a regular current account but has no monthly fees, and it gets you up to 3% in interest. All you need is your valid Ghana Card for account opening. • Growth Account: perfect if you’re looking to grow your savings, this account offers competitive interest rates and additional benefits. You can open a Growth Account once you have a Daily Account with us. • Future Account: fixed term deposit accounts that provide you with superior interest rates to enable you to build savings for future use. You can open a Future Account once you have a Daily Account with us. • Affinity Loans: a number of options for your business or personal needs. Our loans require proof of income and may require collateral depending on the amount. You will need to have a Daily Account to apply for a loan.

Screenshots

myghpay4 screens
Affinity4 screens

Verdict

The call

myghpay and Affinity both sit at 4.7 stars, but that hides the real split: 96% of Affinity's written reviews are positive against 45% of myghpay's. Affinity also leads on update cadence (every 3 weeks vs every 8 months) and ratings volume (1.5K vs 317). myghpay's advantage is monetization model (free vs free with in-app purchases). 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

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

On the App Store both sit at effectively the same score — 4.7 for myghpay against 4.6 for Affinity. Both are backed by a comparable volume of ratings — 317 and 1.5K respectively. Written reviews are what separate them: 45% of myghpay's written reviews are positive against 96% of Affinity's.

UpkeepUpdate frequency

myghpay ships an update every 8 months, Affinity every 3 weeks. The most recent releases landed on September 18, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
myghpay versus Affinity: the parameters behind the verdict, then further details
ParametermyghpayAffinity
PriceFreeFree
Rating4.7 (317 ratings) — better4.6 (1.5K ratings)
Positive reviews45.5% of reviews96.0% of reviews — better
Number of ratings3171.5K — better
Update frequencyEvery 8 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size46 MB108 MB
Age rating4+17+
DeveloperGUARANTY TRUST BANK GHANA LTDAffinity Africa Finance Limited

Customer experience

myghpay

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

Affinity

All ratings1,466 ratings
Positive89.3%
Neutral5.2%
Negative5.5%
Written reviews25 reviews
Positive96.0%
Neutral0.0%
Negative4.0%

User reviews

myghpay

From 317 App Store ratings

What we love

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

Room to improve

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

Affinity

From 1.5K App Store ratings

What we love

  • 🚀 Easy to operate
  • 👍 Very convenient and reliable
  • 🔒 Very safe
  • 👍 Fast and reliable
  • 👍 Smooth

Room to improve

  • 🐛 Verification issues

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

Affinity

Reported bugs

1 issue
  • Verification issues

Requested features

2 requests
  • Add Virtual Card
  • Visa card or Virtual Card options

In-app purchases

None

myghpay

No in-app purchases

None

Affinity

No in-app purchases

Questions

Is myghpay free?
myghpay is free to download, with no in-app purchases.
Is Affinity free?
Affinity is free to download, with no in-app purchases.
Which has better reviews, myghpay or Affinity?
myghpay is rated higher. myghpay averages 4.7 out of 5 from 317 ratings, while Affinity averages 4.6 from 1.5K ratings.
Do myghpay or Affinity have ads?
Neither myghpay nor Affinity shows ads.
Which is updated more often, myghpay or Affinity?
myghpay ships an update every 8 months, and Affinity every 3 weeks. Most recently, myghpay was updated on September 18, 2026 and Affinity on September 24, 2026.

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