Comparison

Affinity vs GhanaPay Customer

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

Head to head
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.

About

GhanaPay Customer

A mobile wallet service offering low-cost financial transactions including sending money, bill payments, and airtime purchases. It provides additional features like savings pots, crowdfunding, and sponsored wallets, with USSD access available.

Highlights
  • Send money
  • Pay bills
  • Buy airtime
  • Savings pot
  • Crowdfunding (susu)
  • USSD access (*707#)
Features
Read full description

A wallet service that allows you to send money, pay bills, buy airtime and enjoy a host of value added financial services at very low charges. GhanaPay is a wallet service by banks in Ghana, allowing you to enjoy affordable financial services at very low charges. With GhanaPay, you can send money, pay your bills, buy airtime from all network and pay for goods and services. GhanaPay comes with great value added services, such as a savings pot, crowdfunding (susu), sponsored wallet, round-the-cloud support, fuel top-ups etc. GhanaPay is also available on USSD by dialing *707#.

Screenshots

Affinity4 screens
GhanaPay Customer4 screens

Verdict

The call

The clearest difference is review sentiment: Affinity at 96% against GhanaPay Customer's 33%. Affinity also leads on rating (4.6 vs 3.2) and ratings volume (1.5K vs 74). GhanaPay Customer's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (12.0 vs 15.6). 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 3.2. That said, the two scores are not equally well evidenced: Affinity has 1.5K ratings behind it against 74, so its average is the more settled of the two. Written reviews point the same way: 96% of Affinity's written reviews are positive against 33% of GhanaPay Customer's.

UpkeepUpdate frequency

Affinity ships an update every 3 weeks, GhanaPay Customer monthly. The most recent releases landed on September 24, 2026 and September 1, 2026 respectively.

Scorecard5 real differences · 5 level
Affinity versus GhanaPay Customer: the parameters behind the verdict, then further details
ParameterAffinityGhanaPay Customer
PriceFreeFree
Rating4.6 (1.5K ratings) — better3.2 (74 ratings)
Positive reviews96.0% of reviews — better33.3% of reviews
Number of ratings1.5K — better74
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.612.0 — better
Further details — not scored
Size108 MB89 MB
Age rating17+4+
DeveloperAffinity Africa Finance LimitedGHANA INTERBANK PAYMENT AND SETTLEMENT SYSTEMS LIMITED

Customer experience

Affinity

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

GhanaPay Customer

All ratings74 ratings
Positive50.0%
Neutral9.5%
Negative40.5%
Written reviews12 reviews
Positive33.3%
Neutral16.7%
Negative50.0%

Bugs and requests

Affinity

Reported bugs

1 issue
  • Verification issues

Requested features

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

GhanaPay Customer

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Affinity

No in-app purchases

None

GhanaPay Customer

No in-app purchases

Questions

Is Affinity free?
Affinity is free to download, with no in-app purchases.
Is GhanaPay Customer free?
GhanaPay Customer is free to download, with no in-app purchases.
Which has better reviews, Affinity or GhanaPay Customer?
Affinity is rated higher. Affinity averages 4.6 out of 5 from 1.5K ratings, while GhanaPay Customer averages 3.2 from 74 ratings.
Do Affinity or GhanaPay Customer have ads?
Neither Affinity nor GhanaPay Customer shows ads.
Which is updated more often, Affinity or GhanaPay Customer?
Affinity ships an update every 3 weeks, and GhanaPay Customer monthly. Most recently, Affinity was updated on September 24, 2026 and GhanaPay Customer on September 1, 2026.

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