# Affinity vs VTMoney

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.

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.

## The numbers

| Metric | Affinity | VTMoney |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (1.5K ratings)](https://appshunter.io/ios/app/affinity/id1556086231/reviews)** | [2.3 (3 ratings)](https://appshunter.io/ios/app/vtmoney/id6449646369/reviews) |
| Number of ratings | **1.5K** | 3 |
| Positive reviews | **96.0% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 108 MB | 52 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Affinity Africa Finance Limited](https://appshunter.io/developer/1556086233) | [Fxkudi Company Limited](https://appshunter.io/developer/1549550518) |

## What reviewers say

### Affinity

[App page](https://appshunter.io/ios/app/affinity/id1556086231)

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to operate
- 👍 Very convenient and reliable
- 🔒 Very safe
- 👍 Fast and reliable
- 👍 Smooth

**What reviewers complain about**

- 🐛 Verification issues

**Reported bugs**

- Verification issues

**Requested features**

- Add Virtual Card
- Visa card or Virtual Card options


### VTMoney

[App page](https://appshunter.io/ios/app/vtmoney/id6449646369)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*