expressPay vs MoMo App
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.
MoMo App
Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.
- All financial needs in one place
- Secure biometric login
- Send and receive money
- Instant bill payments
- Access loans and advances
- Virtual card for online shopping
- Scan and pay with QR codes
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Send and receive money locally and internationally effortlessly with MoMo. Manage your money anytime, anywhere with the new MoMo App. Send money, make payments, and access financial services securely and conveniently — all in one place. Features: • Send and receive money locally and internationally • Pay bills quickly and securely • Deposit and CashOut with ease • Scan and pay with QR codes • Shop online safely with a virtual card • Access loans and advances when you need them • Grow your money with savings and investment options • Buy airtime and data instantly • Buy tickets for events and services • Secure biometric login for fast access Take control of your finances with a secure, easy, and fast experience.
Screenshots
Verdict
The clearest difference is rating: expressPay at 4.1 against MoMo App's 3.5. expressPay also leads on review sentiment (58% vs 23%). MoMo App's advantage is update cadence (monthly vs every 5 months) and ratings volume (1.2K vs 114). On price, ads, in-app purchases and monetization model 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 3.5. That said, the two scores are not equally well evidenced: MoMo App has 1.2K ratings behind it against 114, 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 23% of MoMo App's.
expressPay ships an update every 5 months, MoMo App monthly. The most recent releases landed on September 20, 2026 and September 23, 2026 respectively.
| Parameter | expressPay | MoMo App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (114 ratings) — better | 3.5 (1.2K ratings) |
| Positive reviews | 58.3% of reviews — better | 22.5% of reviews |
| Number of ratings | 114 | 1.2K — better |
| Update frequency | Every 5 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | — | #166 — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 78 MB | 114 MB |
| Age rating | 4+ | 17+ |
| Developer | expressPay Ghana Limited | MTN FINTECH(PTY) LTD |
Customer experience
expressPay
MoMo App
User reviews
expressPay
From 114 App Store ratingsWhat we love
- 👍 Easy to use and navigate
- 🚀 Fast and efficient transactions
- 🔒 Secure verification process
- ✅ Reliable and convenient
- 🌟 Top-notch customer service
Room to improve
- 🐌 Slow process
- ❌ Scam accusations
- 🐛 App crashes frequently
- 📉 Bad exchange rates
- 🚫 Not working in Nigeria
MoMo App
From 1.2K App Store ratingsWhat we love
- 🚀 Fast transactions
- 💡 Innovative features
- 👍 User-friendly interface
Room to improve
- 🐛 Bugs and glitches
- 🔒 Security issues
- 🔋 Performance problems
- 👎 Poor user experience
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
MoMo App
Reported bugs
5 issues- OTP generation failure
- Verification link issues
- Inability to log in
- Unresponsive app features
- Incompatibility with eSIM
Requested features
5 requests- Add YelloSave feature
- Improve verification process
- Integrate more services
- Allow profile picture customization
- Optimize app performance
In-app purchases
expressPay
No in-app purchases
MoMo App
No in-app purchases
