Comparison

expressPay vs Circlesplit

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

Circlesplit

Features
Read full description

Circlesplit is a game-changing payment gateway service that reimagines how we make payments by allowing us to request funds from friends and family. Financial transactions, we believe, should be collaborative, empowering, and accessible to everybody. We've used the power of community donations to develop a one-of-a-kind and revolutionary payment solution with Circlesplit. Our platform makes it simple to gather funds from friends and family in order to complete your desired payments. Circlesplit streamlines the procedure while amplifying the potential of financial collaboration. Join the Circlesplit community and discover the potential of collaborative payments for yourself. Accept the ease, flexibility, and empowerment that come with leveraging your network's aggregate financial strength. Together, we can make dreams come true and change the way we pay.

Screenshots

expressPay4 screens
Circlesplit4 screens

Verdict

The call

The clearest difference is ads: expressPay at none against Circlesplit's shown. Circlesplit's advantage is update cadence (monthly vs every 5 months). On price, in-app purchases, device support and iOS requirement 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.

UpkeepUpdate frequency

expressPay ships an update every 5 months, Circlesplit monthly. The most recent releases landed on September 30, 2026 and October 4, 2026 respectively.

Scorecard2 real differences · 8 level
expressPay versus Circlesplit: the parameters behind the verdict, then further details
ParameterexpressPayCirclesplit
PriceFreeFree
Rating4.1 (114 ratings) — better—
Positive reviews58.3% of reviews—
Number of ratings114 — better—
Update frequencyEvery 5 monthsMonthly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.1
Further details — not scored
Size78 MB38 MB
Age rating4+17+
DeveloperexpressPay Ghana Limitedfusionelle consult

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

Circlesplit

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

expressPay

No in-app purchases

None

Circlesplit

No in-app purchases

Questions

Is expressPay free?
expressPay is free to download, with no in-app purchases.
Is Circlesplit free?
Circlesplit is free to download, with no in-app purchases.
Do expressPay or Circlesplit have ads?
Circlesplit shows ads; expressPay does not.
Which is updated more often, expressPay or Circlesplit?
expressPay ships an update every 5 months, and Circlesplit monthly. Most recently, expressPay was updated on September 30, 2026 and Circlesplit on October 4, 2026.

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