Comparison

CalBank App vs Affinity

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CalBank App

This app provides a secure online payment gateway for individuals and businesses to make and accept payments using various cards and mobile wallets. It offers a user-friendly interface for managing accounts, paying bills, and accessing banking services on the go.

Highlights
  • Online payment gateway
  • Account transfers (intra, inter, inter-bank)
  • Bill and data payments
  • Airtime top-up
  • QR code payments
  • Account opening and management
  • Transaction history and statements
Features
Read full description

CalBank App/CalPay is a secured online payment gateway that will enable individuals and corporate clients such as Hotels, Airlines, Educational Institutions & Professional Bodies, Online Retail Outlets, Churches, Insurance companies, etc. to make or accept payments online from the comfort of their homes or offices using a Visa, MasterCard, gh-link card or a mobile wallet.This simplified, trendy and user friendly application, provides a convenient way for all customers to easily access CalBank and any other services on the go. It is a free business application available to everyone. KEY FEATURES: 1. CalBank Intra Account Transfers 2. CalBank Inter Account Transfers 3. Inter Bank Transfers (ACH) 4. Instant Transfer (GIP) 5. CalBank Account transfer to own MTN Wallet(PULL) 6. CalBank Account transfer to any MTN Wallet(PULL) 7. MTN Wallet To CalBank Account(PUSH) 8. Instant Bank Mini Statement 9. Buy Airtime (MTN, AIRTEL, TIGO, VODAFONE, GLO, EXPRESSO) 10. Pay Bills (DSTV, DSTV BOX OFFICE, GOTV, TV LICENCE, GHANA WATER, ECG GHANA) 11. Buy Internet Data (SURFLINE, SURFLINE PLUS, BUSY4G, VODAFONE BROADBAND) 12. Pay School Fees 13. Pay Any Merchant 14. Scan and Pay With MVISA QR Code 15. Scan and Pay with CalPay QR Code 16. Open Instant CalBank account (CalPay Snap Account) 17. Instant Free E-Alert subscription on any CalBank Account 18. Instant E-statement subscription on any CalBank Account 19. Instant Cheque Book Request 18. Instant Stop Cheque Request 19. Access to virtual shops . Browse our e-shops on our app or web, make orders, pay and get services delivered. 21. Support and Enquiry 21.Contact Center (Toll Free) 22.FAQs 23.ATM Locator 24. Branch Locator 25. POS Locator 26 Agency Banking Locator 27. Real-time transaction history 28.Dashboard for easy navigation 29.Link any VISA OR MASTERCARD, MTN mobile money number and CalBank accounts 30.Instant CalPay E-wallet (Topup from Visa, Mastercard, mtn mobile money) for easy transaction 31. Support for offline based transactions with your CalPay Wallet 32.Link CalBank foreign currency accounts USD, EUR and GDP 33.Auto login configuration under login settings (Enable /Disable) 34.MTN momo to any CalBank account funds transfer 35.CalPay Wallet to another CalPay wallet funds transfer 36.Block / UnBlock Card 37.Amend Card limit 38. Real-time CalBank account balance 39. View Last 10 real-time current transactions 40. Full Open Payments

About

Affinity

This digital financial institution offers inclusive banking solutions with a user-friendly interface. Access banking services 24/7, open accounts with KYC, and manage transfers, bill payments, and investments affordably. It is licensed and regulated by the Bank of Ghana.

Highlights
  • User-friendly interface
  • 24/7 banking access
  • Licensed and regulated
  • Affordable accounts and loans
  • Seamless money transfers
  • Effortless bill payments
  • Investment opportunities
Read full description

We are a fully digital financial institution committed to providing inclusive banking solutions for the majority. Key Features: • User-friendly interface: the Affinity app is designed for everyone in mind, ensuring a seamless and intuitive banking experience. • 24/7 banking: enjoy round-the-clock access to banking services at an affordable cost, right from your fingertips. • Licensed and regulated: rest assured, Affinity is licensed and regulated by the Bank of Ghana, prioritizing the security and trust of our users. • Affordable products: accessible to all and enjoyed by thousands, Affinity offers affordable current, savings, and investment accounts, along with loan options. • Account opening with KYC verification: join Affinity hassle-free with our streamlined KYC verification process. • Money transfers: seamlessly transfer funds between banks and mobile money accounts. • Bill payments: settle your bills effortlessly using our secure platform. • Investments: explore diverse investment opportunities to grow your wealth. • Support: our dedicated support team is ready to assist you whenever you need help. Key Products: • Daily Account: designed for your everyday banking needs, it is transactional and provides easy access to your funds. It works like a regular current account but has no monthly fees, and it gets you up to 3% in interest. All you need is your valid Ghana Card for account opening. • Growth Account: perfect if you’re looking to grow your savings, this account offers competitive interest rates and additional benefits. You can open a Growth Account once you have a Daily Account with us. • Future Account: fixed term deposit accounts that provide you with superior interest rates to enable you to build savings for future use. You can open a Future Account once you have a Daily Account with us. • Affinity Loans: a number of options for your business or personal needs. Our loans require proof of income and may require collateral depending on the amount. You will need to have a Daily Account to apply for a loan.

Screenshots

CalBank App4 screens
Affinity4 screens

Verdict

The call

The clearest difference is review sentiment: Affinity at 96% against CalBank App's 22%. Affinity also leads on rating (4.6 vs 3.4) and ratings volume (1.5K vs 162). CalBank App's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

Affinity holds the better App Store score, 4.6 against 3.4. That said, the two scores are not equally well evidenced: Affinity has 1.5K ratings behind it against 162, so its average is the more settled of the two. Written reviews point the same way: 22% of CalBank App's written reviews are positive against 96% of Affinity's.

UpkeepUpdate frequency

CalBank App ships an update every 6 weeks, Affinity every 3 weeks. The most recent releases landed on August 2, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 6 level
CalBank App versus Affinity: the parameters behind the verdict, then further details
ParameterCalBank AppAffinity
PriceFreeFree
Rating3.4 (162 ratings)4.6 (1.5K ratings) — better
Positive reviews21.7% of reviews96.0% of reviews — better
Number of ratings1621.5K — better
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size67 MB108 MB
Age rating4+17+
DeveloperCal Bank Ltd. (Head Office)Affinity Africa Finance Limited

Customer experience

CalBank App

All ratings159 ratings
Positive56.0%
Neutral11.3%
Negative32.7%
Written reviews46 reviews
Positive21.7%
Neutral15.2%
Negative63.0%

Affinity

All ratings1,466 ratings
Positive89.3%
Neutral5.2%
Negative5.5%
Written reviews25 reviews
Positive96.0%
Neutral0.0%
Negative4.0%

User reviews

CalBank App

From 162 App Store ratings

What we love

  • 👍 Reliable and available
  • 👍 Makes transactions easier
  • 👍 Great app, very fluid
  • 👍 Amazing and reliable

Room to improve

  • 🐛 App crashes frequently
  • 🐛 OTP issues and delays
  • 🐛 Slow app performance
  • 🐛 UI/UX issues after updates
  • 🐛 Transaction failures and missing money

Affinity

From 1.5K App Store ratings

What we love

  • 🚀 Easy to operate
  • 👍 Very convenient and reliable
  • 🔒 Very safe
  • 👍 Fast and reliable
  • 👍 Smooth

Room to improve

  • 🐛 Verification issues

Bugs and requests

CalBank App

Reported bugs

15 issues
  • App crashes on launch
  • App crashes after iOS updates
  • OTP not received or delayed
  • Transactions go missing
  • Authentication failures during login
Show 10 more
  • Stuck on success animation page after transfer
  • Back button unreachable on success page
  • Receipt not loading
  • Cannot add MOMO number
  • Maximum MOMO account exceeded error
  • Cannot withdraw deposited funds
  • Cannot process requests to add account again
  • Cannot select investment tenor
  • App not launching or closing immediately
  • Login attempts reset PIN repeatedly

Requested features

9 requests
  • Allow weekend transactions
  • Enable Airtime purchase via App
  • Add description/reference for Momo to account transactions
  • Incorporate Face ID or fingerprint lock
  • Allow OTP via email as a backup
Show 4 more
  • Improve UI/UX, especially after updates
  • Fix issues with adding MOMO accounts
  • Allow investment top-ups and tenure selection
  • Fix issues with generating statements

Affinity

Reported bugs

1 issue
  • Verification issues

Requested features

2 requests
  • Add Virtual Card
  • Visa card or Virtual Card options

In-app purchases

None

CalBank App

No in-app purchases

None

Affinity

No in-app purchases

Questions

Is CalBank App free?
CalBank App is free to download, with no in-app purchases.
Is Affinity free?
Affinity is free to download, with no in-app purchases.
Which has better reviews, CalBank App or Affinity?
Affinity is rated higher. CalBank App averages 3.4 out of 5 from 162 ratings, while Affinity averages 4.6 from 1.5K ratings.
Do CalBank App or Affinity have ads?
Neither CalBank App nor Affinity shows ads.
Which is updated more often, CalBank App or Affinity?
CalBank App ships an update every 6 weeks, and Affinity every 3 weeks. Most recently, CalBank App was updated on August 2, 2026 and Affinity on September 24, 2026.

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