# expressPay vs MoMo App

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.

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.

## The numbers

| Metric | expressPay | MoMo App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.1 (114 ratings)](https://appshunter.io/ios/app/expresspay/id755749885/reviews)** | [3.5 (1.2K ratings)](https://appshunter.io/ios/app/momo-app/id6532622230/reviews) |
| Number of ratings | 114 | **1.2K** |
| Positive reviews | **58.3% of reviews** | 22.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | Free |
| Best chart rank | — | **#159** |
| Size | 78 MB | 114 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [expressPay Ghana Limited](https://appshunter.io/developer/843783135) | [MTN FINTECH(PTY) LTD](https://appshunter.io/developer/1756760151) |

## 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


### MoMo App

[App page](https://appshunter.io/ios/app/momo-app/id6532622230)

**Currently charting:** #159 Top Free · Finance (US App Store)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast transactions
- 💡 Innovative features
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Bugs and glitches
- 🔒 Security issues
- 🔋 Performance problems
- 👎 Poor user experience

**Reported bugs**

- OTP generation failure
- Verification link issues
- Inability to log in
- Unresponsive app features
- Incompatibility with eSIM

**Requested features**

- Add YelloSave feature
- Improve verification process
- Integrate more services
- Allow profile picture customization
- Optimize app performance


## Frequently asked questions

### Is expressPay free?

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

### Is MoMo App free?

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

### Which has better reviews, expressPay or MoMo App?

expressPay is rated higher. expressPay averages 4.1 out of 5 from 114 ratings, while MoMo App averages 3.5 from 1.2K ratings.

### Do expressPay or MoMo App have ads?

Neither expressPay nor MoMo App shows ads.

### Which is updated more often, expressPay or MoMo App?

expressPay ships an update every 5 months, and MoMo App monthly. Most recently, expressPay was updated on September 20, 2026 and MoMo App on September 23, 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.*