# expressPay vs myghpay

The clearest difference is rating: myghpay at 4.7 against expressPay's 4.1. expressPay's advantage is review sentiment (58% vs 45%). On price, ratings volume, update cadence and ads there is nothing between them.

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

myghpay holds the better App Store score, 4.7 against 4.1. Both are backed by a comparable volume of ratings — 114 and 317 respectively. Written reviews complicate that: 58% of expressPay's written reviews are positive against 45% of myghpay's, so the app with the better star average is not the one people write more warmly about.

expressPay ships an update every 5 months, myghpay every 8 months. The most recent releases landed on September 20, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | expressPay | myghpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (114 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews) | **[4.7 (317 ratings)](https://appshunter.io/ios/app/myghpay/id1245112133/reviews)** |
| Number of ratings | 114 | **317** |
| Positive reviews | **58.3% of reviews** | 45.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 months** | Every 8 months |
| Monetization | Free | Free |
| Size | 78 MB | 46 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [GUARANTY TRUST BANK GHANA LTD](https://appshunter.io/developer/1245112132) |

## 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


### myghpay

[App page](https://appshunter.io/ios/app/myghpay/id1245112133)

This app facilitates secure and fast payments for a wide range of goods and services using your mobile money, cards, or bank account. It offers convenient features like remembering favorites and biometric authorization for seamless transactions.

**Highlights:** Mobile money payments, Card payments (Visa/Mastercard), Bank account payments, Biometric authorization (Face ID, biometrics, PIN), Receipt generation, Payment for utilities and subscriptions, Money transfers

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy and convenient to access
- 🚀 Fast and reliable for payments
- 👍 User-friendly and simple interface
- 👍 Cheapest transaction fees
- 👍 Less charges, easy to transfer

**What reviewers complain about**

- 🐛 Transactions stuck on pending
- 🐛 Deducted money not reflected
- 🐛 Scam app allegations
- ❌ No support available
- 🐛 App acting funny

**Reported bugs**

- Transactions stuck on pending for days
- Deducted money not reflected in account
- App automatically signs out and invalidates credentials
- App crashes on opening
- Updates to wallet payment on app does not reflect on website and vice versa

**Requested features**

- Allow adding back deleted saved numbers sooner than a month
- Add Visa debit card payment option
- Fix inability to go back after clicking buy airtime


## Frequently asked questions

### Is expressPay free?

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

### Is myghpay free?

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

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

myghpay is rated higher. expressPay averages 4.1 out of 5 from 114 ratings, while myghpay averages 4.7 from 317 ratings.

### Do expressPay or myghpay have ads?

Neither expressPay nor myghpay shows ads.

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

expressPay ships an update every 5 months, and myghpay every 8 months. Most recently, expressPay was updated on September 20, 2026 and myghpay on September 18, 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.*