Best Xcel Ghana Apps

210+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated July 2026

Out of 210+ xcel ghana apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Xcel Ghana Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1XCel App.XCel App.Free3.4★ (7)NoNoJul 2026
2My MTN GhanaMy MTN GhanaFree4.3★ (22K)YesNoAug 2026
3GCB Mobile AppGCB Mobile AppFree3.4★ (344)NoNoAug 2026
4SIKACASH+SIKACASH+Free4.6★ (1.9K)NoNoJul 2026
5GhanaPay CustomerGhanaPay CustomerFree3.2★ (74)NoNoAug 2026
6Fidelity Bank GhanaFidelity Bank GhanaFree4.6★ (4.9K)NoNoAug 2026
7Gmail - Email by GoogleGmail - Email by GoogleFree4.7★ (2.4M)YesYesAug 2026
8myghpaymyghpayFree4.7★ (317)NoNoJul 2026

Top Picks for Xcel Ghana

XCel App.#1

XCel App. by XCEL INC LIMITED

Editor's Choice
💰 Finance
3.4(7 ratings)
Free
XCel App. screenshot 1
XCel App. screenshot 2
XCel App. screenshot 3
XCel App. screenshot 4
XCel App. screenshot 5

Manage your finances with this app. Open an account, send and receive money, pay bills, and buy virtual top-ups instantly. All transactions are secured and come with immediate notifications.

My MTN Ghana#2

My MTN Ghana by Scancom Limited

Everything MTN in one app
Strong Contender
📊 Productivity
4.3😞(22K ratings)
FreeAds
My MTN Ghana screenshot 1
My MTN Ghana screenshot 2
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My MTN Ghana screenshot 4
My MTN Ghana screenshot 5
My MTN Ghana screenshot 6

Manage all your mobile services in one place. Easily buy airtime, purchase bundles, and control your MoMo and Broadband accounts. Access product information 24/7 for ultimate convenience.

What We Love

  • 👍 Smooth and responsive app
  • 🚀 Lightning-fast load times
  • 💡 Great user interface
  • 🔒 Robust security features

Room to Improve

  • 🐛 Frequent crashes and bugs
  • ⚠️ Unreliable connectivity
  • 🔍 Limited features
GCB Mobile App#3

GCB Mobile App by GCB Bank PLC

GCB Mobile App
Worth Considering
💰 Finance
3.4😞(344 ratings)
Free
GCB Mobile App screenshot 1
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GCB Mobile App screenshot 6

Manage your finances entirely from your smartphone. Open accounts, invest, pay bills, and secure your profile with biometric authentication. Enjoy a user-friendly interface with customizable themes and real-time transaction alerts.

What We Love

  • 👍 Superb Interface
  • 👍 Seamless and user friendly
  • 👍 Excellent app for perfect banking

Room to Improve

  • 🐛 App crashes frequently
  • 🐛 Transactions not reflecting
  • 🐛 Mobile money transactions failing

More Xcel Ghana apps to explore

4
SIKACASH+
SIKACASH+
SIKACASH+
by NAFA FINANCIAL SERVICES AND FOREIGN EXCHANGE BUREAU LIMITED
Free

Send money internationally to Africa with a trusted service. Facilitate fast, secure, and cost-effective transfers to support loved ones and economic development. Send funds via debit or prepaid card to mobile wallets, office pickup, or bank deposit.

International money transfersFast and secure transfersCost-effective rates
💰 Finance
(1.9K)
free
5
GhanaPay Customer
GhanaPay Customer
GhanaPay Customer
Your Money, Your Way.
Free

A mobile wallet service offering low-cost financial transactions including sending money, bill payments, and airtime purchases. It provides additional features like savings pots, crowdfunding, and sponsored wallets, with USSD access available.

Send moneyPay billsBuy airtime
💰 Finance
(74)
free
6
Fidelity Bank Ghana
Fidelity Bank Ghana
Fidelity Bank Ghana
by FIDELITY BANK GHANA LTD
Free

This mobile banking application provides secure and convenient access to your Fidelity Bank Ghana accounts. Easily manage your finances, make payments, and perform transactions on the go. Self-registration allows for quick setup without needing to visit a branch.

Account accessSecure transactionsPayments
💰 Finance
(4.9K)
free
7
Gmail - Email by Google
Gmail - Email by Google
Gmail - Email by Google
Secure, fast & organized email
Free

This application provides a secure and efficient email experience with advanced features like spam blocking, smart replies, and multi-account support. It integrates with other Google services for enhanced productivity and collaboration.

Robust security & spam blockingReal-time notificationsMultiple account support
📊 Productivity
(2.4M)
free with in-app purchases
8
myghpay
myghpay
myghpay
by GUARANTY TRUST BANK GHANA LTD
Free

This app facilitates secure and fast payments for a wide range of goods and services using your mobile money, cards, or bank account. It offers convenient features like remembering favorites and biometric authorization for seamless transactions.

Mobile money paymentsCard payments (Visa/Mastercard)Bank account payments
💰 Finance
(317)
free
9
Google Chrome
Google Chrome
Google Chrome
Fast & Secure, by Google
Free

This web browser offers fast and secure internet access, integrating Google Search and Lens for quick information retrieval. It provides robust security features like enhanced protection and password management, and syncs your data across devices for seamless browsing.

Fast and secure browsingGoogle Search and Lens integrationEnhanced protection mode
🔧 Utilities
(3.7M)
free with in-app purchases
10
Hubtel: Bills, Food, Groceries
Hubtel: Bills, Food, Groceries
Hubtel: Bills, Food, Groceries
Order Food, Shop & Pay Bills
Free

This app offers a convenient way to order food, groceries, and essentials for fast delivery in Ghana. It also facilitates hassle-free money transfers, stress-free bill payments, and instant car insurance purchases, with options to buy now and pay later.

Order food and groceries for deliverySend money across networks and banksPay utility and entertainment bills
🍔 Food & Drink
(3.8K)
free
11
Ghana Radio Station
Ghana Radio Station
Ghana Radio Station
by Jasmin Agravat
Free

Stream music from Ghana 24/7 with minimal buffering and fast station switching. Features a sleep timer and the ability to save favorite stations for easy access. Enjoy background playback with an updated station list.

24/7 Ghana music streamingMinimal bufferingFast station switching
🎵 Music
(333)
free with in-app purchases
12
Affinity
Affinity
Affinity
by Affinity Africa Finance Limited
Free

This digital financial institution offers inclusive banking solutions with a user-friendly interface. Access banking services 24/7, open accounts with KYC, and manage transfers, bill payments, and investments affordably. It is licensed and regulated by the Bank of Ghana.

User-friendly interface24/7 banking accessLicensed and regulated
💰 Finance
(1.5K)
free with in-app purchases
13
SC Mobile Ghana
SC Mobile Ghana
SC Mobile Ghana
by Standard Chartered Bank
Free

Manage your finances and perform a wide range of banking services from your mobile device. Open new accounts, transfer funds locally and internationally, pay bills, and manage investments. Enjoy the convenience of banking anytime, anywhere, without visiting a branch.

Open Current, Savings Plus, or Fixed Deposit accountsTransfer funds locally and internationallyPurchase airtime and data bundles
💰 Finance
(149)
free
14
ChatGPT
ChatGPT
ChatGPT
Your everyday AI assistant
Free

This app provides access to advanced AI capabilities, including text generation, image creation from descriptions, and voice conversations. It offers personalized advice, creative inspiration, and instant answers for various tasks, syncing history across devices.

Image generation from textAdvanced voice conversationsPhoto upload and transcription
📊 Productivity
(9.2M)
free with in-app purchases
15
AdomOnline
AdomOnline
AdomOnline
by MULTIMEDIA GROUP LIMITED
Free

Access breaking news and top stories from trusted journalists. Stream live radio and watch live TV channels directly from your device.

Breaking news updatesLive radio streamingLive TV channels
📡 News
(6)
ad-supported
16
Spark By Absa Ghana
Spark By Absa Ghana
Spark By Absa Ghana
by Absa Bank Limited
Free

This digital banking app allows users to manage their finances entirely from their phone. Perform transactions, pay bills, and make payments without visiting a branch. Enjoy convenient banking with features like peer-to-peer transfers and ATM withdrawals.

Send and receive moneyPay bills and buy airtimeQR code payments
💰 Finance
(3)
free
17
Ghana Radio Meditation
Ghana Radio Meditation
Ghana Radio Meditation
by Akshar Jain
Free
$4.99 | 100% OFF

Stream live Ghanaian FM stations, talk shows, and music genres like Afrobeats and gospel. Enjoy 24/7 entertainment with background listening and a simple, modern interface. Stay connected to the sounds of Ghana wherever you are.

Live Ghanaian FM & Online RadioDiverse Music Genres24/7 Streaming
🎵 Music
(16)
free with in-app purchases
18
Radio Ghana.
Radio Ghana.
Radio Ghana.
Music & News FM Radio Stations
Free

Access a wide variety of Ghanaian FM, AM, and web radio stations. Stream music, culture, and news live from your device. Save your favorites and listen in the background while using other apps.

Listen to Ghanaian FM, AM, and web radioStream music, culture, and news liveBackground listening with other apps
🎵 Music
(0)
ad-supported
19
YouTube
YouTube
YouTube
Videos, Music and Live Streams
Free

Watch and subscribe to a vast array of videos, from music and gaming to news and learning. Discover trending content, connect with creators, and even upload your own videos. Offers options for ad-free viewing and exclusive perks.

Personalized video recommendationsSubscribe to favorite channelsExplore trending and popular content
📷 Photo & Video
(48M)
free with in-app purchases
20
GWCL
GWCL
GWCL
Ghana Water Company Limited
Free

This app allows customers of Ghana Water Company Limited to manage their accounts and pay bills conveniently. Users can view transaction history and make payments anytime, anywhere using mobile money options.

Bill paymentAccount managementTransaction history
🔧 Utilities
(19)
free

FAQ about Xcel Ghana

What are the best xcel ghana apps for iPhone?
XCel App. tops our xcel ghana apps ranking as of July 2026, with a 3.4-star average from 7 App Store ratings, and it's free to download.
Yes — 20 of the top xcel ghana apps we rank are free to download, including XCel App. and My MTN Ghana.
XCel App. has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 210+ xcel ghana apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
XCel App is designed with security in mind, allowing you to open an account securely in minutes. The app provides instant notifications for all your transactions, helping you monitor your account activity.
With XCel App, you can send and receive transfers, pay bills for yourself and others, and buy virtual top-up (VTU) directly from the app.