GhanaPay Customer vs Circlesplit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Send money
- Pay bills
- Buy airtime
- Savings pot
- Crowdfunding (susu)
- USSD access (*707#)
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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#.
Circlesplit
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Circlesplit is a game-changing payment gateway service that reimagines how we make payments by allowing us to request funds from friends and family. Financial transactions, we believe, should be collaborative, empowering, and accessible to everybody. We've used the power of community donations to develop a one-of-a-kind and revolutionary payment solution with Circlesplit. Our platform makes it simple to gather funds from friends and family in order to complete your desired payments. Circlesplit streamlines the procedure while amplifying the potential of financial collaboration. Join the Circlesplit community and discover the potential of collaborative payments for yourself. Accept the ease, flexibility, and empowerment that come with leveraging your network's aggregate financial strength. Together, we can make dreams come true and change the way we pay.
Screenshots
Verdict
The clearest difference is ads: GhanaPay Customer at none against Circlesplit's shown. GhanaPay Customer also leads on iOS requirement (12.0 vs 15.1). 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.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 22, 2026 and October 4, 2026 respectively.
| Parameter | GhanaPay Customer | Circlesplit |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (87 ratings) — better | — |
| Positive reviews | 35.7% of reviews | — |
| Number of ratings | 87 — better | — |
| Update frequency | Monthly | Monthly |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 89 MB | 38 MB |
| Age rating | 4+ | 17+ |
| Developer | GHANA INTERBANK PAYMENT AND SETTLEMENT SYSTEMS LIMITED | fusionelle consult |
In-app purchases
GhanaPay Customer
No in-app purchases
Circlesplit
No in-app purchases
