# expressPay vs KOWRI

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.

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

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.

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

## The numbers

| Metric | expressPay | KOWRI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (114 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews) | **[4.5 (125 ratings)](https://appshunter.io/ios/app/kowri/id1616706058/reviews)** |
| Number of ratings | 114 | **125** |
| Positive reviews | **58.3% of reviews** | 30.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 78 MB | 100 MB |
| Requires iOS | **15.0** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [DreamOval Ltd.](https://appshunter.io/developer/1039481648) |

## 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


### KOWRI

[App page](https://appshunter.io/ios/app/kowri/id1616706058)

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

**In-app purchases:** none


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*