Comparison

GTWorld Kenya vs Send App (Prev. Send)

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

Head to head
About

GTWorld Kenya

Manage your bank accounts, make transfers, and pay bills directly from your mobile device. This secure and user-friendly app allows for convenient banking on the go, including airtime top-ups and account statement requests.

Highlights
  • Account balance viewing
  • Transaction history management
  • Interbank and mobile money transfers
  • Bill payments
  • Airtime and data bundle purchases
  • Account statement requests
  • PIN or Token transaction authentication
Features
Read full description

Welcome to a world of Seamless Banking! GTWorld is a Mobile App which enables customers make transfers (Own Account, Intrabank, Interbank, and Mobile Money transfers) and pay for services such as DSTV, GOTV, KPLC, NAIROBI WATER, Airtime Top Up, etc. GTWorld lets you carry your bank with you wherever you go. The App allows you perform transactions and manage your bank account(s) from your mobile device. It is secure and very simple to use. GTWorld allows you: • View the balances on your bank account(s). • Manage your accounts and view your transaction history. • Initiate transfers to own account(s), GTBank accounts and also to other bank accounts. • Purchase Airtime and Data bundles for all networks. • Pay Bills • Request for account statement • Link your profile to a device with the option to use PIN or Token to complete your transactions. • Other profiles will be able to use the mobile app on your device successfully with Token authentication only. *Terms and Conditions apply. *Standard network charges apply as you may be charged by your service provider for mobile or internet use. To get started: • Visit your App store, search for ‘ GTWorld’ and click the download/install button. • Launch the App and input your User ID and password. If you have forgotten your password, please click “Forgot Password?” on the login page to reset your password. • At first login, you will be asked to verify your device. If this is your preferred device, please select 'Yes' and choose a transaction method (PIN or Token). • If PIN is selected, you will be required to agree with the Terms of Use and create a 4-digit PIN which you will be using to complete your transactions instead of a token. Please note that you can always switch between PIN or token at any time by simply going to the Settings Menu of the mobile app. • A 6-digit secure code will be sent to your registered mobile phone via SMS to verify your device. • Enter this code in the app and your mobile phone will be successfully verified against your account profile. Now you can start using the App. Please note that this is required only when using a device for the first time. • If you chose to use the token as your preferred means of verifying your transactions, you will also be sent the 5-digit secure code via SMS to verify your device for the first time. Enter this code and your mobile phone will be successfully verified against your account profile. You will then be able to start using the GTWorld App. • Please note that you are not restricted to any device. All you need do at the first login is to select “No! This device is not mine” from the device verification screen

About

Send App (Prev. Send)

Send money internationally to bank accounts and mobile wallets in over 30 countries. Enjoy fast, reliable transfers with multiple payment options and multilingual support. Securely send funds with peace of mind, backed by a global support team.

Highlights
  • Send money to 30+ countries
  • Transfers to bank accounts and mobile wallets
  • Fast and reliable settlements
  • Multi-country support
  • Multiple payment options (bank, card, Apple Pay)
  • In-app assistant and global support team
  • No transaction fees
Features
Read full description

What does it matter in Lagos, Nairobi, Addis Ababa, or London? Use Send App to quickly and reliably send money to local bank accounts and even mobile money wallets whenever you want. GUARANTEED GLOBAL TRANSFERS Powered by Africa’s largest payments provider, Send App gets your money transfers settled in minutes–or days depending on the payment method. Regardless, your transfers will always hit home to serve the need they were meant for. NO BARRIERS: MULTI-COUNTRY SUPPORT English or French? We speak both fluently and will add more. So, pick a language you are comfortable with and start making instant money transfers within countries like the UK, US, Nigeria, Kenya, Germany, Ireland, Cote D’Ivoire, and Ethiopia. CHOOSE HOW YOU PAY Make transfers from your bank account, with card payments or Apple Pay. What else? You can securely save cards and make future transfers with a few taps. No stress! NEVER GET LOST Aside from our global support team–manned by actual people–you have an in-app assistant that gives fast answers to questions you might have. NO TRANSACTION FEE Send money to your loved ones without any transaction fees. Enjoy seamless transfers at no cost. SEND APP IS SECURE AND SAFE Send App is powered by Flutterwave - Africa’s largest payment network - using the same infrastructure that powers some of the biggest companies in the world. ISO 27001 & 22301 Certification Flutterwave is ISO ISO 27001 & 22301 certified, which means that we have acceptable business practices and processes, including a robust business continuity plan. PA DSS & PCI DSS Compliant This certification is proof that Flutterwave as a payment gateway processor, has satisfied the highest level of Security Audit and authorizations. LEGAL AND ADDRESSES United Kingdom Flutterwave UK Limited with Registration No. 10593971 and Registered Address: 41 Luke Street, London, United Kingdom EC2A 4DP, is registered with the Financial Conduct Authority as an EMD Agent (Ref. No 902084), of PayrNet Limited, an Electronic Money Institution authorized and regulated by the Financial Conduct Authority (Ref. No 900594) for the issuance of electronic money and payment services. Your account and related payment services are provided by PayrNet Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 - for more information please see: https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements. Lithuania Flutterwave (LITHUANIA) Limited, a private legal person with limited civil liability UAB "Flutterwave/Client" registered under the laws of Lithuania with Registration No. 305630842 and Registered Address: Vilniaus g.31, LT-01402 Vilnius. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see: https://www.eba.europa.eu/regulation-and-policy/single-rulebook/interactive-single-rulebook/5482 Canada Send App by Flutterwave is regulated by FINTRAC (Financial Transactions and Reports Analysis Centre of Canada), located at 15 Wellesley Street West, Suite 313c, Toronto, Ontario M4y 0g7. You can contact FINTRAC at +1-877-701-0555. We process inbound remittances through licensed partnerships with FINTRAC as a Money Service Business.

Screenshots

GTWorld Kenya4 screens
Send App (Prev. Send)4 screens

Verdict

The call

The clearest difference is rating: GTWorld Kenya at 5.0 against Send App (Prev. Send)'s 4.3. GTWorld Kenya also leads on monetization model (free vs free with in-app purchases). Send App (Prev. Send)'s advantage is ratings volume (764 vs 1) and update cadence (every 2 weeks vs every 2 months). On price, ads, in-app purchases and device support 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

GTWorld Kenya holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Send App (Prev. Send) has 764 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

GTWorld Kenya ships an update every 2 months, Send App (Prev. Send) every 2 weeks. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
GTWorld Kenya versus Send App (Prev. Send): the parameters behind the verdict, then further details
ParameterGTWorld KenyaSend App (Prev. Send)
PriceFreeFree
Rating5.0 (1 ratings) — better4.3 (764 ratings)
Positive reviews—33.6% of reviews
Number of ratings1764 — better
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.415.1 — better
Further details — not scored
Size67 MB97 MB
Age rating4+4+
DeveloperGuaranty Trust Bank (Kenya) LimitedFlutterwave Inc.

Bugs and requests

GTWorld Kenya

Not enough reviews yet to summarise bugs or requests.

Send App (Prev. Send)

Reported bugs

5 issues
  • Repeated login issues and account lockouts
  • Inconsistent transaction tracking and status updates
  • Unexpected account deductions and failed transfers
  • Compatibility problems with certain devices and OS versions
  • Unreliable in-app notifications and alerts

Requested features

5 requests
  • Biometric login options
  • Ability to save payment details for future use
  • Faster transaction speeds and same-day delivery
  • Expanded availability in more countries/regions
  • Improved communication and resolution of user concerns

In-app purchases

None

GTWorld Kenya

No in-app purchases

None

Send App (Prev. Send)

No in-app purchases

Questions

Is GTWorld Kenya free?
GTWorld Kenya is free to download, with no in-app purchases.
Is Send App (Prev. Send) free?
Send App (Prev. Send) is free to download, with no in-app purchases.
Which has better reviews, GTWorld Kenya or Send App (Prev. Send)?
GTWorld Kenya is rated higher. GTWorld Kenya averages 5.0 out of 5 from 1 ratings, while Send App (Prev. Send) averages 4.3 from 764 ratings.
Do GTWorld Kenya or Send App (Prev. Send) have ads?
Neither GTWorld Kenya nor Send App (Prev. Send) shows ads.
Which is updated more often, GTWorld Kenya or Send App (Prev. Send)?
GTWorld Kenya ships an update every 2 months, and Send App (Prev. Send) every 2 weeks. Most recently, GTWorld Kenya was updated on November 3, 2026 and Send App (Prev. Send) on November 7, 2026.

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