myghpay vs VTMoney
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
Read full descriptionHide 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
VTMoney
This neo-banking app offers instant account setup in multiple currencies and seamless cross-border transactions. Securely shop online with virtual cards and easily pay bills like airtime and electricity.
- Instant account setup (NGN, GHS, USD, GBP)
- Cross-border payments to 25+ countries
- Virtual card for secure online shopping
- Bill payments (airtime, data, cable TV, electricity)
- Send money with username
Read full descriptionHide full description
Welcome to VTMoney, the revolutionary neo-bank app that puts you in control of your finances like never before. With our cutting-edge technology and user-friendly interface, managing your money has never been easier. Features: 1. Instant Account Setup: Open your personalized bank account (NGN, GHS, USD, GBP) in minutes, with no paperwork or branch visits required. Say goodbye to long waiting times and hello to instant financial access. 2. Seamless Transactions: Send and receive money effortlessly from 25+ countries with our intuitive cross-border payment features. 3. Virtual Cards: Get the best of online shopping with our virtual card options. Shop online securely with a virtual card. 4. Bill Payment: You can purchase airtime, data, cable TV, and electricity using VTMoney. 5. Send with Username. Join thousands of satisfied customers who have embraced the power of neo-banking. Download the app today and take control of your financial future!
Screenshots
Verdict
The clearest difference is rating: myghpay at 4.7 against VTMoney's 2.0. myghpay also leads on ads (none vs shown) and ratings volume (325 vs 4). VTMoney's advantage is update cadence (fortnightly vs every 8 months) and iOS requirement (13.0 vs 15.1). On price, in-app purchases and device support 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
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 2.0. That said, the two scores are not equally well evidenced: myghpay has 325 ratings behind it against 4, 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 33% of VTMoney's.
myghpay ships an update every 8 months, VTMoney fortnightly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | myghpay | VTMoney |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (325 ratings) — better | 2.0 (4 ratings) |
| Positive reviews | 45.5% of reviews — better | 33.3% of reviews |
| Number of ratings | 325 — better | 4 |
| Update frequency | Every 8 months | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 46 MB | 52 MB |
| Age rating | 4+ | 17+ |
| Developer | GUARANTY TRUST BANK GHANA LTD | Fxkudi Company Limited |
Customer experience
myghpay
VTMoney
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 moreShow fewer
- 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
VTMoney
Not enough reviews yet to summarise bugs or requests.
In-app purchases
myghpay
No in-app purchases
VTMoney
No in-app purchases
