expressPay vs CalBank App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
expressPay
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.
- 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
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Instant money transfers Send money instantly in just a few taps. Send directly to Airtel Money, MTN mobile money, Tigo Cash, Vodafone Cash or to a bank account! Your days of visiting the bank branch to make a deposit are over. Tap, tap, tap and you’re done! Instant airtime purchases Buying topup is a breeze with expressPay. Topup any network in a matter of seconds. Airtel, Glo, MTN, Tigo Vodafone, you’re covered! Instant internet purchases Need data? Get connected in seconds by purchasing your internet data with expressPay. 4G and 3G services are all covered. Paying for your data should be as easy as 1,2,3. Pay with ease Make payments to your favorite merchants and service providers with ease. Merchants get notified instantly. You can pay any way you like. If it’s digital, expressPay has you covered. expressPay accepts Visa, MasterCard, MTN mobile money, AirtelTigo Money and Vodafone Cash.
CalBank App
This app provides a secure online payment gateway for individuals and businesses to make and accept payments using various cards and mobile wallets. It offers a user-friendly interface for managing accounts, paying bills, and accessing banking services on the go.
- Online payment gateway
- Account transfers (intra, inter, inter-bank)
- Bill and data payments
- Airtime top-up
- QR code payments
- Account opening and management
- Transaction history and statements
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CalBank App/CalPay is a secured online payment gateway that will enable individuals and corporate clients such as Hotels, Airlines, Educational Institutions & Professional Bodies, Online Retail Outlets, Churches, Insurance companies, etc. to make or accept payments online from the comfort of their homes or offices using a Visa, MasterCard, gh-link card or a mobile wallet.This simplified, trendy and user friendly application, provides a convenient way for all customers to easily access CalBank and any other services on the go. It is a free business application available to everyone. KEY FEATURES: 1. CalBank Intra Account Transfers 2. CalBank Inter Account Transfers 3. Inter Bank Transfers (ACH) 4. Instant Transfer (GIP) 5. CalBank Account transfer to own MTN Wallet(PULL) 6. CalBank Account transfer to any MTN Wallet(PULL) 7. MTN Wallet To CalBank Account(PUSH) 8. Instant Bank Mini Statement 9. Buy Airtime (MTN, AIRTEL, TIGO, VODAFONE, GLO, EXPRESSO) 10. Pay Bills (DSTV, DSTV BOX OFFICE, GOTV, TV LICENCE, GHANA WATER, ECG GHANA) 11. Buy Internet Data (SURFLINE, SURFLINE PLUS, BUSY4G, VODAFONE BROADBAND) 12. Pay School Fees 13. Pay Any Merchant 14. Scan and Pay With MVISA QR Code 15. Scan and Pay with CalPay QR Code 16. Open Instant CalBank account (CalPay Snap Account) 17. Instant Free E-Alert subscription on any CalBank Account 18. Instant E-statement subscription on any CalBank Account 19. Instant Cheque Book Request 18. Instant Stop Cheque Request 19. Access to virtual shops . Browse our e-shops on our app or web, make orders, pay and get services delivered. 21. Support and Enquiry 21.Contact Center (Toll Free) 22.FAQs 23.ATM Locator 24. Branch Locator 25. POS Locator 26 Agency Banking Locator 27. Real-time transaction history 28.Dashboard for easy navigation 29.Link any VISA OR MASTERCARD, MTN mobile money number and CalBank accounts 30.Instant CalPay E-wallet (Topup from Visa, Mastercard, mtn mobile money) for easy transaction 31. Support for offline based transactions with your CalPay Wallet 32.Link CalBank foreign currency accounts USD, EUR and GDP 33.Auto login configuration under login settings (Enable /Disable) 34.MTN momo to any CalBank account funds transfer 35.CalPay Wallet to another CalPay wallet funds transfer 36.Block / UnBlock Card 37.Amend Card limit 38. Real-time CalBank account balance 39. View Last 10 real-time current transactions 40. Full Open Payments
Screenshots
Verdict
The clearest difference is rating: expressPay at 4.1 against CalBank App's 3.4. expressPay also leads on review sentiment (58% vs 22%). CalBank App's advantage is update cadence (every 6 weeks vs every 5 months). On price, ratings volume, ads and in-app purchases 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.
expressPay holds the better App Store score, 4.1 against 3.4. Both are backed by a comparable volume of ratings — 114 and 162 respectively. Written reviews point the same way: 58% of expressPay's written reviews are positive against 22% of CalBank App's.
expressPay ships an update every 5 months, CalBank App every 6 weeks. The most recent releases landed on September 20, 2026 and August 2, 2026 respectively.
| Parameter | expressPay | CalBank App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (114 ratings) — better | 3.4 (162 ratings) |
| Positive reviews | 58.3% of reviews — better | 21.7% of reviews |
| Number of ratings | 114 | 162 — better |
| Update frequency | Every 5 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 78 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | expressPay Ghana Limited | Cal Bank Ltd. (Head Office) |
Customer experience
expressPay
CalBank App
User reviews
expressPay
From 114 App Store ratingsWhat we love
- 👍 Easy to use and navigate
- 🚀 Fast and efficient transactions
- 🔒 Secure verification process
- ✅ Reliable and convenient
- 🌟 Top-notch customer service
Room to improve
- 🐌 Slow process
- ❌ Scam accusations
- 🐛 App crashes frequently
- 📉 Bad exchange rates
- 🚫 Not working in Nigeria
CalBank App
From 162 App Store ratingsWhat we love
- 👍 Reliable and available
- 👍 Makes transactions easier
- 👍 Great app, very fluid
- 👍 Amazing and reliable
Room to improve
- 🐛 App crashes frequently
- 🐛 OTP issues and delays
- 🐛 Slow app performance
- 🐛 UI/UX issues after updates
- 🐛 Transaction failures and missing money
Bugs and requests
expressPay
Reported bugs
9 issues- 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
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- Password incorrect error, but new password matches old
- Request timed out error after update
- Login challenges after updates, even with 'remember me' ticked
- Mobile money transfer not working for Vodafone broadband with MTN
Requested features
15 requests- 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
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- Add iTunes gift card as payment method
- Add Glo network support
- Add PIN number option for app login
- Add Fidelity Bank Ghana to Bank Direct option
- Add ability to send money from USA to Ghana
- Add support for Amex cards
- Add scheduled payment page functionality
- Add profile menu functionality
- Add a back button on certain areas
- Add option to use PIN as password for app
CalBank App
Reported bugs
15 issues- App crashes on launch
- App crashes after iOS updates
- OTP not received or delayed
- Transactions go missing
- Authentication failures during login
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- Stuck on success animation page after transfer
- Back button unreachable on success page
- Receipt not loading
- Cannot add MOMO number
- Maximum MOMO account exceeded error
- Cannot withdraw deposited funds
- Cannot process requests to add account again
- Cannot select investment tenor
- App not launching or closing immediately
- Login attempts reset PIN repeatedly
Requested features
9 requests- Allow weekend transactions
- Enable Airtime purchase via App
- Add description/reference for Momo to account transactions
- Incorporate Face ID or fingerprint lock
- Allow OTP via email as a backup
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- Improve UI/UX, especially after updates
- Fix issues with adding MOMO accounts
- Allow investment top-ups and tenure selection
- Fix issues with generating statements
In-app purchases
expressPay
No in-app purchases
CalBank App
No in-app purchases
