Comparison

expressPay vs KOWRI

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

KOWRI

This app simplifies financial management and payments across Africa. It allows users to link various accounts, make secure payments for bills and services, transfer money instantly, and discover local businesses. The platform also offers tools for wealth planning, subscription management, and spending tracking.

Highlights
  • Link bank accounts, mobile money, and cards
  • Secure bill payments (electricity, water, insurance)
  • Instant money transfers
  • QR code payments
  • Discover local businesses
  • Personalized financial insights
  • Automate recurring payments
Read full description

Kowri: The Way to Pay Kowri is your intelligent financial companion, created to simplify payments and revolutionize how you manage money across Africa. We built Kowri because financial management shouldn’t be stressful. From delayed transactions to poor support and fragmented services, we’ve all been there. Kowri changes that. Designed to work securely, seamlessly, and intelligently, Kowri is the way to pay. Everything in One App Kowri is more than a payments app—it’s a platform that connects your entire financial world. Whether you’re paying for utilities, transferring money, managing subscriptions, or buying car insurance, Kowri gives you the tools to handle it all in one place. What You Can Do with Kowri • Link All Your Accounts: Connect your bank accounts, mobile money wallets, and debit or credit cards for seamless transactions. • Make Secure Payments: Pay bills like electricity, water, or car insurance, all from your app. • Send Money Anywhere: Transfer money instantly to Kowri users, bank accounts, or mobile money wallets. • QR Code Payments: Share or receive payments effortlessly with your personal QR code. • Discover Businesses Nearby: Find and transact with local businesses that accept Kowri. • Plan for Wealth: Get personalized insights, automate recurring payments, and track your spending trends—all from a beautifully redesigned dashboard. Say goodbye to frustration. Say hello to Kowri. Download now and experience the smarter way to pay and grow your wealth. [:mav: 3.4.1]

Screenshots

expressPay4 screens
KOWRI4 screens

Verdict

The call

The clearest difference is rating: KOWRI at 4.5 against expressPay's 4.1. KOWRI also leads on update cadence (every 2 weeks vs every 5 months). expressPay's advantage is review sentiment (58% vs 30%) and monetization model (free vs free with in-app purchases). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

KOWRI holds the better App Store score, 4.5 against 4.1. Both are backed by a comparable volume of ratings — 114 and 125 respectively. Written reviews complicate that: 58% of expressPay's written reviews are positive against 30% of KOWRI's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

expressPay ships an update every 5 months, KOWRI every 2 weeks. Both last shipped on September 20, 2026.

Scorecard4 real differences · 6 level
expressPay versus KOWRI: the parameters behind the verdict, then further details
ParameterexpressPayKOWRI
PriceFreeFree
Rating4.1 (114 ratings)4.5 (125 ratings) — better
Positive reviews58.3% of reviews — better30.0% of reviews
Number of ratings114125 — better
Update frequencyEvery 5 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.5
Further details — not scored
Size78 MB100 MB
Age rating4+12+
DeveloperexpressPay Ghana LimitedDreamOval Ltd.

Customer experience

expressPay

All ratings111 ratings
Positive73.0%
Neutral9.0%
Negative18.0%
Written reviews48 reviews
Positive58.3%
Neutral14.6%
Negative27.1%

KOWRI

All ratings125 ratings
Positive86.4%
Neutral4.0%
Negative9.6%
Written reviews10 reviews
Positive30.0%
Neutral0.0%
Negative70.0%

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
Show 4 more
  • 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
Show 10 more
  • 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

KOWRI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

expressPay

No in-app purchases

None

KOWRI

No in-app purchases

Questions

Is expressPay free?
expressPay is free to download, with no in-app purchases.
Is KOWRI free?
KOWRI is free to download, with no in-app purchases.
Which has better reviews, expressPay or KOWRI?
KOWRI is rated higher. expressPay averages 4.1 out of 5 from 114 ratings, while KOWRI averages 4.5 from 125 ratings.
Do expressPay or KOWRI have ads?
Neither expressPay nor KOWRI shows ads.
Which is updated more often, expressPay or KOWRI?
expressPay ships an update every 5 months, and KOWRI every 2 weeks. Most recently, expressPay was updated on September 20, 2026 and KOWRI on September 20, 2026.

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