# expressPay vs Chango

The clearest difference is rating: Chango at 4.7 against expressPay's 4.1. Chango also leads on review sentiment (100% vs 58%) and update cadence (every 3 weeks vs every 5 months). expressPay's advantage is ratings volume (114 vs 3). 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.

Chango holds the better App Store score, 4.7 against 4.1. That said, the two scores are not equally well evidenced: expressPay has 114 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 58% of expressPay's written reviews are positive against 100% of Chango's.

expressPay ships an update every 5 months, Chango every 3 weeks. The most recent releases landed on September 30, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | expressPay | Chango |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (114 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews) | **[4.7 (3 ratings)](https://appshunter.io/ios/app/chango/id1236586898/reviews)** |
| Number of ratings | **114** | 3 |
| Positive reviews | 58.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 78 MB | 68 MB |
| Requires iOS | 15.0 | **9.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [IT Consortium](https://appshunter.io/developer/1236586897) |

## What reviewers say

### expressPay

[App page](https://appshunter.io/ios/app/expresspay/id755749885)

Send money instantly to mobile money accounts or bank accounts with just a few taps. Easily purchase airtime and internet data for any network in seconds. Pay merchants and service providers using various digital payment methods.

**Highlights:** Instant money transfers, Mobile money and bank account transfers, Instant airtime purchases, Instant internet data purchases, Merchant and service provider payments, Multiple payment methods accepted

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and navigate
- 🚀 Fast and efficient transactions
- 🔒 Secure verification process
- ✅ Reliable and convenient
- 🌟 Top-notch customer service

**What reviewers complain about**

- 🐌 Slow process
- ❌ Scam accusations
- 🐛 App crashes frequently
- 📉 Bad exchange rates
- 🚫 Not working in Nigeria

**Reported bugs**

- History keeps reappearing after deleting
- App crashes when profile menu is selected
- Cannot change subscriptions without app crashing
- Cannot load money on the app
- SMS code not received for registration

**Requested features**

- Add foreign cards
- Add payment reference/notation for Mobile Money
- Add chat and request sections
- Create ExpressPay QR code for payments
- Add passcode or fingerprint security feature


### Chango

[App page](https://appshunter.io/ios/app/chango/id1236586898)

This app allows users to easily create groups and manage contributions within them. It simplifies the process of collecting and organizing funds for shared purposes.

**Highlights:** Create groups, Manage contributions, Organize funds, Simplified financial tracking

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is expressPay free?

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

### Is Chango free?

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

### Which has better reviews, expressPay or Chango?

Chango is rated higher. expressPay averages 4.1 out of 5 from 114 ratings, while Chango averages 4.7 from 3 ratings.

### Do expressPay or Chango have ads?

Neither expressPay nor Chango shows ads.

### Which is updated more often, expressPay or Chango?

expressPay ships an update every 5 months, and Chango every 3 weeks. Most recently, expressPay was updated on September 30, 2026 and Chango on September 26, 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.*