# expressPay vs CalBank App

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.

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.

## The numbers

| Metric | expressPay | CalBank App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.1 (114 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews)** | [3.4 (162 ratings)](https://appshunter.io/ios/app/calbank-app/id1503346047/reviews) |
| Number of ratings | 114 | **162** |
| Positive reviews | **58.3% of reviews** | 21.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 78 MB | 67 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [Cal Bank Ltd. (Head Office)](https://appshunter.io/developer/1070505823) |

## 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


### CalBank App

[App page](https://appshunter.io/ios/app/calbank-app/id1503346047)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Reliable and available
- 👍 Makes transactions easier
- 👍 Great app, very fluid
- 👍 Amazing and reliable

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 OTP issues and delays
- 🐛 Slow app performance
- 🐛 UI/UX issues after updates
- 🐛 Transaction failures and missing money

**Reported bugs**

- App crashes on launch
- App crashes after iOS updates
- OTP not received or delayed
- Transactions go missing
- Authentication failures during login

**Requested features**

- 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


## Frequently asked questions

### Is expressPay free?

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

### Is CalBank App free?

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

### Which has better reviews, expressPay or CalBank App?

expressPay is rated higher. expressPay averages 4.1 out of 5 from 114 ratings, while CalBank App averages 3.4 from 162 ratings.

### Do expressPay or CalBank App have ads?

Neither expressPay nor CalBank App shows ads.

### Which is updated more often, expressPay or CalBank App?

expressPay ships an update every 5 months, and CalBank App every 6 weeks. Most recently, expressPay was updated on September 20, 2026 and CalBank App on August 2, 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.*