# expressPay vs Circlesplit

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.

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

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

## The numbers

| Metric | expressPay | Circlesplit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.1 (114 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews)** | — |
| Number of ratings | **114** | — |
| Positive reviews | 58.3% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | — |
| Size | 78 MB | 38 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [fusionelle consult](https://appshunter.io/developer/1449657615) |

## 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


### Circlesplit

[App page](https://appshunter.io/ios/app/circlesplit/id6460547697)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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