# expressPay vs Affinity

The clearest difference is rating: Affinity at 4.6 against expressPay's 4.1. Affinity also leads on review sentiment (96% vs 58%) and update cadence (every 3 weeks vs every 5 months). expressPay's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support there is nothing between them.

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

Affinity holds the better App Store score, 4.6 against 4.1. That said, the two scores are not equally well evidenced: Affinity has 1.5K ratings behind it against 114, 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 96% of Affinity's.

expressPay ships an update every 5 months, Affinity every 3 weeks. The most recent releases landed on September 20, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | expressPay | Affinity |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (114 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews) | **[4.6 (1.5K ratings)](https://appshunter.io/ios/app/affinity/id1556086231/reviews)** |
| Number of ratings | 114 | **1.5K** |
| Positive reviews | 58.3% of reviews | **96.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 78 MB | 108 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [Affinity Africa Finance Limited](https://appshunter.io/developer/1556086233) |

## 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


### Affinity

[App page](https://appshunter.io/ios/app/affinity/id1556086231)

This digital financial institution offers inclusive banking solutions with a user-friendly interface. Access banking services 24/7, open accounts with KYC, and manage transfers, bill payments, and investments affordably. It is licensed and regulated by the Bank of Ghana.

**Highlights:** User-friendly interface, 24/7 banking access, Licensed and regulated, Affordable accounts and loans, Seamless money transfers, Effortless bill payments, Investment opportunities

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to operate
- 👍 Very convenient and reliable
- 🔒 Very safe
- 👍 Fast and reliable
- 👍 Smooth

**What reviewers complain about**

- 🐛 Verification issues

**Reported bugs**

- Verification issues

**Requested features**

- Add Virtual Card
- Visa card or Virtual Card options


## Frequently asked questions

### Is expressPay free?

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

### Is Affinity free?

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

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

Affinity is rated higher. expressPay averages 4.1 out of 5 from 114 ratings, while Affinity averages 4.6 from 1.5K ratings.

### Do expressPay or Affinity have ads?

Neither expressPay nor Affinity shows ads.

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

expressPay ships an update every 5 months, and Affinity every 3 weeks. Most recently, expressPay was updated on September 20, 2026 and Affinity on September 24, 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.*