# myghpay vs Circlesplit

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.

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.

## The numbers

| Metric | myghpay | Circlesplit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (317 ratings)](https://appshunter.io/ios/app/myghpay/id1245112133/reviews)** | — |
| Number of ratings | **317** | — |
| Positive reviews | 45.5% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 8 months | **Monthly** |
| Monetization | Free | — |
| Size | 46 MB | 38 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [GUARANTY TRUST BANK GHANA LTD](https://appshunter.io/developer/1245112132) | [fusionelle consult](https://appshunter.io/developer/1449657615) |

## 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


### Circlesplit

[App page](https://appshunter.io/ios/app/circlesplit/id6460547697)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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