Speso vs iSmartPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Speso
Send and receive money instantly and securely with friends, family, and businesses. This app facilitates fast, simple, and safe transactions for payments, transfers, and finding skilled professionals.
- Instant transfers to mobile wallets and banks
- Secure business payments
- Find and pay artisans
- In-app chat for support
- Bank-grade security and encryption
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Speso helps you send and receive money from friends, family, and businesses — instantly and securely. Whether you’re paying a vendor, sending money to a loved one, or finding skilled artisans, Speso makes every transaction fast, simple, and safe. Key Features - Send Money to MoMo & Banks – Instantly transfer money to any mobile wallet or bank account. - Pay Your Favourite Businesses – Make quick and secure payments to trusted merchants and service providers. - Chat with Friends & Support – Stay connected, share updates, and get instant assistance. - 100% Secure – Enjoy reliable transactions powered by bank-grade security and encryption.
iSmartPay
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iSmartPay is a secure and convenient fintech app that enables users in Ghana to send and receive money, pay bills, and manage everyday transactions seamlessly from their mobile devices. Key Features of iSmartPay Instant Money Transfers Send and receive money quickly across Ghana with a secure and reliable payment infrastructure. Bill Payments Made Easy Pay for utilities, airtime, data bundles, TV subscriptions, and more—all in one place. Mobile Wallet Integration Seamlessly connect and transact with popular mobile money services for faster payments. Secure Transactions Built with advanced encryption and authentication to keep your funds and data protected. Transaction History & Tracking Monitor all your payments and transfers with clear, real-time transaction records. User-Friendly Interface Enjoy a simple, intuitive design that makes everyday transactions effortless. 24/7 Accessibility Access your finances anytime, anywhere—no queues, no delays. Notifications & Alerts Stay informed with instant updates on transactions and account activity.
Screenshots
Verdict
The clearest difference is update cadence: Speso at every 10 days against iSmartPay's every 3 weeks. On price, ads, 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.
Speso ships an update every 10 days, iSmartPay every 3 weeks. The most recent releases landed on October 7, 2026 and October 25, 2026 respectively.
| Parameter | Speso | iSmartPay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Every 10 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | — |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 97 MB | 60 MB |
| Age rating | 17+ | 4+ |
| Developer | Speso Technologies Limited | GlobTalk LLC |
In-app purchases
Speso
No in-app purchases
iSmartPay
No in-app purchases
