expressPay vs The UMB SpeedApp
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.
The UMB SpeedApp
Manage your finances conveniently and securely with this mobile banking application. Features include facial recognition login, account management, beneficiary setup, and bill payments. Experience a faster, smarter, and more reliable banking solution.
- Facial recognition login
- Account linking and management
- Beneficiary setup for transfers
- Utility bill and data bundle payments
- Receipt generation and sharing
- Standing order setup
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Discover the all-new UMB SpeedApp—revamped to deliver a faster, smarter, and more secure mobile banking experience. With UMB SpeedApp, your bank is always within reach. Key Features 1. Use of facial recognition to log into the SpeedApp 2. Profile Picture Update 3. Account Service • Link existing UMB account • Link mobile wallet • Unlink mobile wallet • Increase transfer limit • E-statement request • Official statement request 4. Beneficiary (Transfers/Airtime/Data Bundle/Utility Bill) • Add Beneficiary • Delete Beneficiary 5. Receipt • Generate Receipt • Share receipt 6. Standing Order • Airtime • Funds transfer • Data bundle Why Choose UMB SpeedApp? Always secure and always reliable Designed for speed and convenience Supported by UMB’s trusted customer service Download today and experience the future of banking with UMB SpeedApp.
Screenshots
Verdict
The clearest difference is rating: expressPay at 4.1 against The UMB SpeedApp's 3.5. expressPay also leads on review sentiment (58% vs 33%) and ratings volume (117 vs 31). The UMB SpeedApp's advantage is update cadence (every 10 days vs every 5 months). 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. Both are backed by a comparable volume of ratings — 117 and 31 respectively. Written reviews point the same way: 58% of expressPay's written reviews are positive against 33% of The UMB SpeedApp's.
expressPay ships an update every 5 months, The UMB SpeedApp every 10 days. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.
| Parameter | expressPay | The UMB SpeedApp |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (117 ratings) — better | 3.5 (31 ratings) |
| Positive reviews | 58.3% of reviews — better | 33.3% of reviews |
| Number of ratings | 117 — better | 31 |
| Update frequency | Every 5 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 86 MB | 92 MB |
| Age rating | 4+ | 4+ |
| Developer | expressPay Ghana Limited | Universal Merchant Bank Ltd |
Customer experience
expressPay
The UMB SpeedApp
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
The UMB SpeedApp
Not enough reviews yet to summarise bugs or requests.
In-app purchases
expressPay
No in-app purchases
The UMB SpeedApp
No in-app purchases
Questions
Is expressPay free?
Is The UMB SpeedApp free?
Which has better reviews, expressPay or The UMB SpeedApp?
Do expressPay or The UMB SpeedApp have ads?
Which is updated more often, expressPay or The UMB SpeedApp?
Other comparisons
