expressPay vs VTMoney
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.
VTMoney
This neo-banking app offers instant account setup in multiple currencies and seamless cross-border transactions. Securely shop online with virtual cards and easily pay bills like airtime and electricity.
- Instant account setup (NGN, GHS, USD, GBP)
- Cross-border payments to 25+ countries
- Virtual card for secure online shopping
- Bill payments (airtime, data, cable TV, electricity)
- Send money with username
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Welcome to VTMoney, the revolutionary neo-bank app that puts you in control of your finances like never before. With our cutting-edge technology and user-friendly interface, managing your money has never been easier. Features: 1. Instant Account Setup: Open your personalized bank account (NGN, GHS, USD, GBP) in minutes, with no paperwork or branch visits required. Say goodbye to long waiting times and hello to instant financial access. 2. Seamless Transactions: Send and receive money effortlessly from 25+ countries with our intuitive cross-border payment features. 3. Virtual Cards: Get the best of online shopping with our virtual card options. Shop online securely with a virtual card. 4. Bill Payment: You can purchase airtime, data, cable TV, and electricity using VTMoney. 5. Send with Username. Join thousands of satisfied customers who have embraced the power of neo-banking. Download the app today and take control of your financial future!
Screenshots
Verdict
The clearest difference is rating: expressPay at 4.1 against VTMoney's 2.0. expressPay also leads on ads (none vs shown) and review sentiment (58% vs 33%). VTMoney's advantage is update cadence (fortnightly vs every 5 months) and iOS requirement (13.0 vs 15.0). On price, in-app purchases and device support 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 2.0. That said, the two scores are not equally well evidenced: expressPay has 118 ratings behind it against 4, 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 33% of VTMoney's.
expressPay ships an update every 5 months, VTMoney fortnightly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.
| Parameter | expressPay | VTMoney |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (118 ratings) — better | 2.0 (4 ratings) |
| Positive reviews | 58.3% of reviews — better | 33.3% of reviews |
| Number of ratings | 118 — better | 4 |
| Update frequency | Every 5 months | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 86 MB | 52 MB |
| Age rating | 4+ | 17+ |
| Developer | expressPay Ghana Limited | Fxkudi Company Limited |
Customer experience
expressPay
VTMoney
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
VTMoney
Not enough reviews yet to summarise bugs or requests.
In-app purchases
expressPay
No in-app purchases
VTMoney
No in-app purchases
