Comparison

CalBank App vs SSNIT Mobile App

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

SSNIT Mobile App

Manage your pension and social security contributions with ease. This app allows members to view statements, estimate benefits, and apply for pensions. Employers can submit contributions and manage related processes securely.

Highlights
  • View pension statements
  • Estimate pension benefits
  • Apply for benefits
  • Access pension payslips
  • Enroll in SSNIT
  • Submit employer contributions
  • Request negotiations
Features
Read full description

Welcome to the SSNIT app – your all-in-one solution for managing your pension effortlessly. With our user-friendly interface, members can access a range of features, including viewing statements, estimating pensions, applying for benefits, and accessing pension payslips. Prospective members can easily enrol in SSNIT directly through the app. For employers, the SSNIT app streamlines the process of submitting contributions, requesting negotiations, and applying for penalty waivers. Our secure platform ensures that your data is protected at all times.

Screenshots

CalBank App4 screens
SSNIT Mobile App4 screens

Verdict

The call

The clearest difference is review sentiment: SSNIT Mobile App at 100% against CalBank App's 22%. SSNIT Mobile App also leads on rating (4.3 vs 3.4) and update cadence (every 2 weeks vs every 6 weeks). CalBank App's advantage is ratings volume (162 vs 54). On price, ads, in-app purchases and monetization model 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

SSNIT Mobile App holds the better App Store score, 4.3 against 3.4. Both are backed by a comparable volume of ratings — 162 and 54 respectively. Written reviews point the same way: 22% of CalBank App's written reviews are positive against 100% of SSNIT Mobile App's.

UpkeepUpdate frequency

CalBank App ships an update every 6 weeks, SSNIT Mobile App every 2 weeks. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
CalBank App versus SSNIT Mobile App: the parameters behind the verdict, then further details
ParameterCalBank AppSSNIT Mobile App
PriceFreeFree
Rating3.4 (162 ratings)4.3 (54 ratings) — better
Positive reviews21.7% of reviews100.0% of reviews — better
Number of ratings162 — better54
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size67 MB42 MB
Age rating4+17+
DeveloperCal Bank Ltd. (Head Office)Social Security and National Insurance Trust

Customer experience

CalBank App

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

SSNIT Mobile App

All ratings48 ratings
Positive79.2%
Neutral6.3%
Negative14.6%
Written reviews5 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

SSNIT Mobile App

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CalBank App

No in-app purchases

None

SSNIT Mobile App

No in-app purchases

Questions

Is CalBank App free?
CalBank App is free to download, with no in-app purchases.
Is SSNIT Mobile App free?
SSNIT Mobile App is free to download, with no in-app purchases.
Which has better reviews, CalBank App or SSNIT Mobile App?
SSNIT Mobile App is rated higher. CalBank App averages 3.4 out of 5 from 162 ratings, while SSNIT Mobile App averages 4.3 from 54 ratings.
Do CalBank App or SSNIT Mobile App have ads?
Neither CalBank App nor SSNIT Mobile App shows ads.
Which is updated more often, CalBank App or SSNIT Mobile App?
CalBank App ships an update every 6 weeks, and SSNIT Mobile App every 2 weeks. Most recently, CalBank App was updated on October 22, 2026 and SSNIT Mobile App on October 24, 2026.

Other comparisons