# expressPay vs VTMoney

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.

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.

## The numbers

| Metric | expressPay | VTMoney |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.1 (118 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews)** | [2.0 (4 ratings)](https://appshunter.io/ios/app/vtmoney/id6449646369/reviews) |
| Number of ratings | **118** | 4 |
| Positive reviews | **58.3% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Fortnightly** |
| Monetization | **Free** | Ad-supported |
| Size | 86 MB | 52 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [Fxkudi Company Limited](https://appshunter.io/developer/1549550518) |

## 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, Vision Pro support

**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


### VTMoney

[App page](https://appshunter.io/ios/app/vtmoney/id6449646369)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is expressPay free?

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

### Is VTMoney free?

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

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

expressPay is rated higher. expressPay averages 4.1 out of 5 from 118 ratings, while VTMoney averages 2.0 from 4 ratings.

### Do expressPay or VTMoney have ads?

VTMoney shows ads; expressPay does not.

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

expressPay ships an update every 5 months, and VTMoney fortnightly. Most recently, expressPay was updated on November 6, 2026 and VTMoney on November 3, 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.*