myghpay vs Circlesplit
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
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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
Circlesplit
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
myghpay ships an update every 8 months, Circlesplit monthly. The most recent releases landed on October 10, 2026 and October 4, 2026 respectively.
| Parameter | myghpay | Circlesplit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (317 ratings) — better | — |
| Positive reviews | 45.5% of reviews | — |
| Number of ratings | 317 — better | — |
| Update frequency | Every 8 months | Monthly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 46 MB | 38 MB |
| Age rating | 4+ | 17+ |
| Developer | GUARANTY TRUST BANK GHANA LTD | fusionelle 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
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- 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
myghpay
No in-app purchases
Circlesplit
No in-app purchases







