Comparison

myghpay vs KOWRI

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

KOWRI

This app simplifies financial management and payments across Africa. It allows users to link various accounts, make secure payments for bills and services, transfer money instantly, and discover local businesses. The platform also offers tools for wealth planning, subscription management, and spending tracking.

Highlights
  • Link bank accounts, mobile money, and cards
  • Secure bill payments (electricity, water, insurance)
  • Instant money transfers
  • QR code payments
  • Discover local businesses
  • Personalized financial insights
  • Automate recurring payments
Read full description

Kowri: The Way to Pay Kowri is your intelligent financial companion, created to simplify payments and revolutionize how you manage money across Africa. We built Kowri because financial management shouldn’t be stressful. From delayed transactions to poor support and fragmented services, we’ve all been there. Kowri changes that. Designed to work securely, seamlessly, and intelligently, Kowri is the way to pay. Everything in One App Kowri is more than a payments app—it’s a platform that connects your entire financial world. Whether you’re paying for utilities, transferring money, managing subscriptions, or buying car insurance, Kowri gives you the tools to handle it all in one place. What You Can Do with Kowri • Link All Your Accounts: Connect your bank accounts, mobile money wallets, and debit or credit cards for seamless transactions. • Make Secure Payments: Pay bills like electricity, water, or car insurance, all from your app. • Send Money Anywhere: Transfer money instantly to Kowri users, bank accounts, or mobile money wallets. • QR Code Payments: Share or receive payments effortlessly with your personal QR code. • Discover Businesses Nearby: Find and transact with local businesses that accept Kowri. • Plan for Wealth: Get personalized insights, automate recurring payments, and track your spending trends—all from a beautifully redesigned dashboard. Say goodbye to frustration. Say hello to Kowri. Download now and experience the smarter way to pay and grow your wealth. [:mav: 3.5.1]

Screenshots

myghpay4 screens
KOWRI4 screens

Verdict

The call

The clearest difference is update cadence: KOWRI at every 2 weeks against myghpay's every 8 months. myghpay's advantage is monetization model (free vs free with in-app purchases) and review sentiment (45% vs 30%). On price, rating, ratings volume and ads 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 4.5. Both are backed by a comparable volume of ratings — 325 and 123 respectively. Written reviews point the same way: 45% of myghpay's written reviews are positive against 30% of KOWRI's.

UpkeepUpdate frequency

myghpay ships an update every 8 months, KOWRI every 2 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
myghpay versus KOWRI: the parameters behind the verdict, then further details
ParametermyghpayKOWRI
PriceFreeFree
Rating4.7 (325 ratings) — better4.5 (123 ratings)
Positive reviews45.5% of reviews — better30.0% of reviews
Number of ratings325 — better123
Update frequencyEvery 8 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 — better15.5
Further details — not scored
Size46 MB102 MB
Age rating4+12+
DeveloperGUARANTY TRUST BANK GHANA LTDDreamOval Ltd.

Customer experience

myghpay

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

KOWRI

All ratings122 ratings
Positive86.1%
Neutral4.1%
Negative9.8%
Written reviews10 reviews
Positive30.0%
Neutral0.0%
Negative70.0%

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

KOWRI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

myghpay

No in-app purchases

None

KOWRI

No in-app purchases

Questions

Is myghpay free?
myghpay is free to download, with no in-app purchases.
Is KOWRI free?
KOWRI is free to download, with no in-app purchases.
Which has better reviews, myghpay or KOWRI?
myghpay is rated higher. myghpay averages 4.7 out of 5 from 325 ratings, while KOWRI averages 4.5 from 123 ratings.
Do myghpay or KOWRI have ads?
Neither myghpay nor KOWRI shows ads.
Which is updated more often, myghpay or KOWRI?
myghpay ships an update every 8 months, and KOWRI every 2 weeks. Most recently, myghpay was updated on November 2, 2026 and KOWRI on November 3, 2026.

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