# myghpay vs Affinity

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.

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 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.

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.

## The numbers

| Metric | myghpay | Affinity |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (317 ratings)](https://appshunter.io/ios/app/myghpay/id1245112133/reviews)** | [4.6 (1.5K ratings)](https://appshunter.io/ios/app/affinity/id1556086231/reviews) |
| Number of ratings | 317 | **1.5K** |
| Positive reviews | 45.5% of reviews | **96.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 months | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 46 MB | 108 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [GUARANTY TRUST BANK GHANA LTD](https://appshunter.io/developer/1245112132) | [Affinity Africa Finance Limited](https://appshunter.io/developer/1556086233) |

## 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


### Affinity

[App page](https://appshunter.io/ios/app/affinity/id1556086231)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 Verification issues

**Reported bugs**

- Verification issues

**Requested features**

- Add Virtual Card
- Visa card or Virtual Card options


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