expressPay vs GhanaPay Customer
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.
GhanaPay Customer
A mobile wallet service offering low-cost financial transactions including sending money, bill payments, and airtime purchases. It provides additional features like savings pots, crowdfunding, and sponsored wallets, with USSD access available.
- Send money
- Pay bills
- Buy airtime
- Savings pot
- Crowdfunding (susu)
- USSD access (*707#)
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A wallet service that allows you to send money, pay bills, buy airtime and enjoy a host of value added financial services at very low charges. GhanaPay is a wallet service by banks in Ghana, allowing you to enjoy affordable financial services at very low charges. With GhanaPay, you can send money, pay your bills, buy airtime from all network and pay for goods and services. GhanaPay comes with great value added services, such as a savings pot, crowdfunding (susu), sponsored wallet, round-the-cloud support, fuel top-ups etc. GhanaPay is also available on USSD by dialing *707#.
Screenshots
Verdict
The clearest difference is rating: expressPay at 4.1 against GhanaPay Customer's 3.2. expressPay also leads on review sentiment (58% vs 36%). GhanaPay Customer's advantage is update cadence (monthly vs every 5 months) and iOS requirement (12.0 vs 15.0). 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 3.2. Both are backed by a comparable volume of ratings — 117 and 87 respectively. Written reviews point the same way: 58% of expressPay's written reviews are positive against 36% of GhanaPay Customer's.
expressPay ships an update every 5 months, GhanaPay Customer monthly. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.
| Parameter | expressPay | GhanaPay Customer |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (117 ratings) — better | 3.2 (87 ratings) |
| Positive reviews | 58.3% of reviews — better | 35.7% of reviews |
| Number of ratings | 117 — better | 87 |
| Update frequency | Every 5 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 78 MB | 89 MB |
| Age rating | 4+ | 4+ |
| Developer | expressPay Ghana Limited | GHANA INTERBANK PAYMENT AND SETTLEMENT SYSTEMS LIMITED |
Customer experience
expressPay
GhanaPay Customer
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
GhanaPay Customer
Not enough reviews yet to summarise bugs or requests.
In-app purchases
expressPay
No in-app purchases
GhanaPay Customer
No in-app purchases
