# Payjack vs Spark By Absa Ghana

The clearest difference is rating: Payjack at 5.0 against Spark By Absa Ghana's 3.7. Spark By Absa Ghana's advantage is update cadence (monthly vs every 3 months) and ratings volume (3 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Payjack holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 1 and 3 respectively.

Payjack ships an update every 3 months, Spark By Absa Ghana monthly. The most recent releases landed on October 6, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | Payjack | Spark By Absa Ghana |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payjack/id6446353516/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/spark-by-absa-ghana/id6468028455/reviews) |
| Number of ratings | 1 | **3** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 148 MB | 311 MB |
| Requires iOS | 15.5 | **15.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [OrangeTech Limited](https://appshunter.io/developer/1677515599) | [Absa Bank Limited](https://appshunter.io/developer/619957263) |

## What reviewers say

### Payjack

[App page](https://appshunter.io/ios/app/payjack/id6446353516)

Manage all your payment transactions in one place. Easily send, receive, and pay bills from various funding sources. Features include bill splitting and more.

**Highlights:** Send Money, Receive Money, Pay Bills, Split Bills, Manage Transactions

**In-app purchases:** none


### Spark By Absa Ghana

[App page](https://appshunter.io/ios/app/spark-by-absa-ghana/id6468028455)

This digital banking app allows users to manage their finances entirely from their phone. Perform transactions, pay bills, and make payments without visiting a branch. Enjoy convenient banking with features like peer-to-peer transfers and ATM withdrawals.

**Highlights:** Send and receive money, Pay bills and buy airtime, QR code payments, ATM cash withdrawals, Transfer to bank account

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Payjack free?

Payjack is free to download, with no in-app purchases.

### Is Spark By Absa Ghana free?

Spark By Absa Ghana is free to download, with no in-app purchases.

### Which has better reviews, Payjack or Spark By Absa Ghana?

Payjack is rated higher. Payjack averages 5.0 out of 5 from 1 ratings, while Spark By Absa Ghana averages 3.7 from 3 ratings.

### Do Payjack or Spark By Absa Ghana have ads?

Neither Payjack nor Spark By Absa Ghana shows ads.

### Which is updated more often, Payjack or Spark By Absa Ghana?

Payjack ships an update every 3 months, and Spark By Absa Ghana monthly. Most recently, Payjack was updated on October 6, 2026 and Spark By Absa Ghana on October 23, 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.*