# CalBank App vs Affinity

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | CalBank App | Affinity |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (162 ratings)](https://appshunter.io/ios/app/calbank-app/id1503346047/reviews) | **[4.6 (1.5K ratings)](https://appshunter.io/ios/app/affinity/id1556086231/reviews)** |
| Number of ratings | 162 | **1.5K** |
| Positive reviews | 21.7% of reviews | **96.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 67 MB | 108 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Cal Bank Ltd. (Head Office)](https://appshunter.io/developer/1070505823) | [Affinity Africa Finance Limited](https://appshunter.io/developer/1556086233) |

## What reviewers say

### CalBank App

[App page](https://appshunter.io/ios/app/calbank-app/id1503346047)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- App crashes on launch
- App crashes after iOS updates
- OTP not received or delayed
- Transactions go missing
- Authentication failures during login

**Requested features**

- 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


### Affinity

[App page](https://appshunter.io/ios/app/affinity/id1556086231)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 Verification issues

**Reported bugs**

- Verification issues

**Requested features**

- Add Virtual Card
- Visa card or Virtual Card options


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