Comparison

myghpay vs Circlesplit

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

Circlesplit

Features
Read full description

Circlesplit is a game-changing payment gateway service that reimagines how we make payments by allowing us to request funds from friends and family. Financial transactions, we believe, should be collaborative, empowering, and accessible to everybody. We've used the power of community donations to develop a one-of-a-kind and revolutionary payment solution with Circlesplit. Our platform makes it simple to gather funds from friends and family in order to complete your desired payments. Circlesplit streamlines the procedure while amplifying the potential of financial collaboration. Join the Circlesplit community and discover the potential of collaborative payments for yourself. Accept the ease, flexibility, and empowerment that come with leveraging your network's aggregate financial strength. Together, we can make dreams come true and change the way we pay.

Screenshots

myghpay4 screens
Circlesplit4 screens

Verdict

The call

The clearest difference is ads: myghpay at none against Circlesplit's shown. Circlesplit's advantage is update cadence (monthly vs every 8 months). On price, in-app purchases, device support and iOS requirement 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.

UpkeepUpdate frequency

myghpay ships an update every 8 months, Circlesplit monthly. The most recent releases landed on October 10, 2026 and October 4, 2026 respectively.

Scorecard2 real differences · 8 level
myghpay versus Circlesplit: the parameters behind the verdict, then further details
ParametermyghpayCirclesplit
PriceFreeFree
Rating4.7 (317 ratings) — better—
Positive reviews45.5% of reviews—
Number of ratings317 — better—
Update frequencyEvery 8 monthsMonthly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.1
Further details — not scored
Size46 MB38 MB
Age rating4+17+
DeveloperGUARANTY TRUST BANK GHANA LTDfusionelle consult

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

Circlesplit

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

myghpay

No in-app purchases

None

Circlesplit

No in-app purchases

Questions

Is myghpay free?
myghpay is free to download, with no in-app purchases.
Is Circlesplit free?
Circlesplit is free to download, with no in-app purchases.
Do myghpay or Circlesplit have ads?
Circlesplit shows ads; myghpay does not.
Which is updated more often, myghpay or Circlesplit?
myghpay ships an update every 8 months, and Circlesplit monthly. Most recently, myghpay was updated on October 10, 2026 and Circlesplit on October 4, 2026.

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