Comparison

Affinity vs VTMoney

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

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.

Highlights
  • 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
Features
Read 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

Affinity4 screens
VTMoney4 screens

Verdict

The call

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

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 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.

UpkeepUpdate frequency

Affinity ships an update every 3 weeks, VTMoney fortnightly. The most recent releases landed on September 29, 2026 and September 9, 2026 respectively.

Scorecard6 real differences · 4 level
Affinity versus VTMoney: the parameters behind the verdict, then further details
ParameterAffinityVTMoney
PriceFreeFree
Rating4.6 (1.5K ratings) — better2.3 (3 ratings)
Positive reviews96.0% of reviews — better33.3% of reviews
Number of ratings1.5K — better3
Update frequencyEvery 3 weeksFortnightly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size108 MB52 MB
Age rating17+17+
DeveloperAffinity Africa Finance LimitedFxkudi Company Limited

Customer experience

Affinity

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

VTMoney

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews3 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

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

None

Affinity

No in-app purchases

None

VTMoney

No in-app purchases

Questions

Is Affinity free?
Affinity is free to download, with no in-app purchases.
Is VTMoney free?
VTMoney is free to download, with no in-app purchases.
Which has better reviews, Affinity or VTMoney?
Affinity is rated higher. Affinity averages 4.6 out of 5 from 1.5K ratings, while VTMoney averages 2.3 from 3 ratings.
Do Affinity or VTMoney have ads?
VTMoney shows ads; Affinity does not.
Which is updated more often, Affinity or VTMoney?
Affinity ships an update every 3 weeks, and VTMoney fortnightly. Most recently, Affinity was updated on September 29, 2026 and VTMoney on September 9, 2026.

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