Affinity vs VTMoney
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- User-friendly interface
- 24/7 banking access
- Licensed and regulated
- Affordable accounts and loans
- Seamless money transfers
- Effortless bill payments
- Investment opportunities
Read full descriptionHide 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.
VTMoney
This neo-banking app offers instant account setup in multiple currencies and seamless cross-border transactions. Securely shop online with virtual cards and easily pay bills like airtime and electricity.
- Instant account setup (NGN, GHS, USD, GBP)
- Cross-border payments to 25+ countries
- Virtual card for secure online shopping
- Bill payments (airtime, data, cable TV, electricity)
- Send money with username
Read full descriptionHide full description
Welcome to VTMoney, the revolutionary neo-bank app that puts you in control of your finances like never before. With our cutting-edge technology and user-friendly interface, managing your money has never been easier. Features: 1. Instant Account Setup: Open your personalized bank account (NGN, GHS, USD, GBP) in minutes, with no paperwork or branch visits required. Say goodbye to long waiting times and hello to instant financial access. 2. Seamless Transactions: Send and receive money effortlessly from 25+ countries with our intuitive cross-border payment features. 3. Virtual Cards: Get the best of online shopping with our virtual card options. Shop online securely with a virtual card. 4. Bill Payment: You can purchase airtime, data, cable TV, and electricity using VTMoney. 5. Send with Username. Join thousands of satisfied customers who have embraced the power of neo-banking. Download the app today and take control of your financial future!
Screenshots
Verdict
The clearest difference is review sentiment: Affinity at 96% against VTMoney's 33%. Affinity also leads on rating (4.6 vs 2.3) and ads (none vs shown). VTMoney's advantage is monetization model (ad-supported vs free with in-app purchases) and iOS requirement (13.0 vs 15.6). On price, update cadence, 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
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 2.3. That said, the two scores are not equally well evidenced: Affinity has 1.5K ratings behind it against 3, 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 VTMoney's.
Affinity ships an update every 3 weeks, VTMoney fortnightly. The most recent releases landed on September 29, 2026 and September 9, 2026 respectively.
| Parameter | Affinity | VTMoney |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.5K ratings) — better | 2.3 (3 ratings) |
| Positive reviews | 96.0% of reviews — better | 33.3% of reviews |
| Number of ratings | 1.5K — better | 3 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 108 MB | 52 MB |
| Age rating | 17+ | 17+ |
| Developer | Affinity Africa Finance Limited | Fxkudi Company Limited |
Customer experience
Affinity
VTMoney
Bugs and requests
Affinity
Reported bugs
1 issue- Verification issues
Requested features
2 requests- Add Virtual Card
- Visa card or Virtual Card options
VTMoney
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Affinity
No in-app purchases
VTMoney
No in-app purchases









