# myghpay vs KOWRI

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.

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 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.

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.

## The numbers

| Metric | myghpay | KOWRI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (325 ratings)](https://appshunter.io/ios/app/myghpay/id1245112133/reviews)** | [4.5 (123 ratings)](https://appshunter.io/ios/app/kowri/id1616706058/reviews) |
| Number of ratings | **325** | 123 |
| Positive reviews | **45.5% of reviews** | 30.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 months | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 46 MB | 102 MB |
| Requires iOS | **15.1** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [GUARANTY TRUST BANK GHANA LTD](https://appshunter.io/developer/1245112132) | [DreamOval Ltd.](https://appshunter.io/developer/1039481648) |

## 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


### KOWRI

[App page](https://appshunter.io/ios/app/kowri/id1616706058)

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

**In-app purchases:** none


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