# Crust Personal > All-in-one personal banking app for saving, spending, and managing money. (iPhone/iPad app by TMONI TECHNOLOGIES LIMITED.) - Source: https://appshunter.io/ios/app/crust-personal/id6495368880 (this page in markdown: same URL + `.md`) - Developer: [TMONI TECHNOLOGIES LIMITED](https://appshunter.io/developer/1592486881) - Category: Finance - Price: Free - Rating: 4.20/5 from 5 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 42 MB - Languages: English - Released: 2024-10-09 - Data updated: 2026-07-08 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/crust-personal/id6495368880/reviews.md ## What is Crust Personal? Welcome to Crust Personal Banking App! Open a Crust account today and join customers who rely on Crust for seamless personal banking, instant bill payments with cashback rewards, and effortless savings—all in one app. Crust is your smart, all-in-one financial companion designed to help you save, spend, and manage your money with ease. With Crust, you can pay bills, transfer money, lock in your savings for higher interest, and automatically build your emergency fund—all from one app. Simplify your finances with a dedicated savings account number, fast transfers, and automatic savings options. Download the Crust app today and start saving, earning, and growing your money effortlessly! Crust is licensed by the Central Bank of Nigeria. Why Should You Choose Crust Personal? - Fast Transfers: Need to send money in a flash? You got it! Our lightning-fast transfers ensure your money gets where it needs to be, instantly. Say goodbye to delays! 
 - Pay Bills and Earn Cashback: What’s better than paying bills? Getting rewarded for it! Pay your electricity, cable, data, and airtime bills right from your app and enjoy instant cashback. Every. Single. Time. - Dedicated Savings Account Number: You don’t just get a savings account—you get your very own unique savings account number! Give your finances a personal touch and manage them with ease. No more guesswork, just smooth sailing! - Receive Money Directly Into Your Savings: Want to boost your savings without lifting a finger? Let people send money directly into your savings account, whether it's a gift or a payment! Watch your balance grow, effortlessly. - Build Discipline & Lock Your Savings: Feel tempted to dip into your savings? We’ve got you covered. With our dedicated savings account, you can keep your money locked away and earn higher interest. Perfect for those big life goals! - Save As You Spend: What if spending could be a savings strategy? With Save As You Spend, every transaction automatically helps you tuck a little extra away. It’s like a savings assistant, working in the background as you go about your day! - Save As You Earn: Salary day just got better! Automatically set aside a portion of your earnings the moment they hit your account. No more “I’ll do it later”—your savings grow automatically, giving you peace of mind. - Emergency Savings? We've Got You: Life happens! That’s why we’ve made it easy to build up emergency savings automatically as you go. Whether it’s small, frequent deposits or big chunks, your safety net is just a few taps away. Why You’ll Love Us - Simple & Secure: Designed for the Nigerian market, our app offers the easiest and most secure way to manage your money. No hidden fees, no unnecessary charges—just straight-up smart banking. - Earn More as You Save: Who doesn’t love more money? With us, your savings don’t just sit there. They work for you, growing steadily with competitive interest rates so your money keeps making money. - Personalize Your Banking: Your money, your rules! Set custom goals for your savings, unlock special features to help you stay disciplined, and control how and when you save. - Cashbacks Every Time You Pay: Make your bills work for you! Get cash back on every payment—electricity, cable, airtime, or data—and make saving a breeze while taking care of essentials. Download Now and Get Started! Your journey to smarter banking, effortless savings, and financial freedom begins here. Join thousands of users who are making their money work for them. Save as you earn, spend, and grow—all from one app
 Download Crust Personal and start banking the smart way! ## Key features - Instant bill payments with cashback - Fast money transfers - Dedicated savings account number - Automated savings options - Lock savings for higher interest - Save as you spend/earn ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/crust-personal/id6495368880/reviews.md ### 1/5 — Incompetent *2026-03-25* There are lots of things you guys need to work on I have had a complain since yesterday and your customer care has not been helpful I was promised before the end of today now they are telling me to hold on till tomorrow I am disappointed and this is a bank that is licensed under CBN I need the money before the end of tomorrow if not I won’t take it likely with your bank You cannot just hold on unto my money for no tangible reason and say that it is a technical issue… Do not let me get people involved in this issue ## Frequently asked questions about Crust Personal ### What is Crust Personal? Crust Personal is a free, all-in-one personal banking app designed for the Nigerian market. It allows users to manage their money, pay bills, transfer funds, and build savings with features like cashback rewards and automated saving tools. ### Is Crust Personal secure? Yes, Crust Personal is designed to be a secure way to manage your money. It is licensed by the Central Bank of Nigeria and offers a straightforward, secure banking experience without hidden fees or unnecessary charges. ### How does Crust Personal help with savings? Crust Personal offers multiple ways to save, including a dedicated savings account number, the ability to lock savings for higher interest, and automated features like 'Save As You Spend' and 'Save As You Earn' to build emergency funds effortlessly. ### Can I earn rewards with Crust Personal? Yes, you can earn cashback rewards by paying your electricity, cable, data, and airtime bills directly through the Crust Personal app. These rewards are applied instantly with every bill payment. ### What devices does Crust Personal support? Crust Personal is available on iPhone and iPod devices. The app is rated for ages 4 and up. ### How often is Crust Personal updated? The latest version of Crust Personal is 1.0.25, and it was last updated on May 15, 2026. Updates typically include new features, performance improvements, and bug fixes. ### What is the user rating for Crust Personal? Crust Personal has a user rating of 4.2 stars based on 5 ratings. This indicates generally positive user sentiment regarding its features and functionality. ### Does Crust Personal have ads? No, Crust Personal does not contain advertisements. The app is free to use and does not display any ads to its users. ## Version history (last 5 releases) ### 1.0.27 — 2026-06-24 Goal Savings Enhancements View estimated daily, weekly, and monthly savings targets to help you achieve your financial goals. Available during goal creation and for existing Goal Savings accounts. Other Improvements 1.⁠ ⁠Bank logos are now displayed during transfers for easier bank selection. 2.⁠ ⁠⁠Enhanced Transfer Insights for incoming transactions. 3.⁠ ⁠⁠Crust Vault interest rate updated to 20% p.a. 4 ### 1.0.25 — 2026-05-15 We've made improvements to enhance your Crust experience: •⁠ ⁠Improved security and CBN compliance updates •⁠ ⁠Smarter transaction insights with deposits and transfers tracking •⁠ ⁠New transaction filters for easier history viewing •⁠ ⁠Monthly financial summary emails to help you track your spending patterns •⁠ ⁠General performance improvements and bug fixes Update now for the latest experience. ### 1.0.24 — 2026-03-27 1.⁠ ⁠Riba-Free Account: Account without interest with flexible plans and emergency withdrawals 2.⁠ ⁠Transfer Insights: Track your transfer habits with top recipients and smart alerts 3.⁠ ⁠Improvements & Fixes: UI enhancements and bug fixes for a smoother experience ### 1.0.23 — 2026-02-09 You can now request your bank statement and receive it securely via email (PDF). Minor UI improvements on Goal/Target Savings. Bug fixes for transaction receipts. ### 1.0.22 — 2025-12-15 Enhance Security on Liveliness Check with OTP & Account Locking ## Apps similar to Crust Personal | App | Rating | Price | Category | | --- | --- | --- | --- | | [Carbon: Mobile Banking & Loans](https://appshunter.io/ios/app/carbon-mobile-banking-and-loans/id1494856668) | 4.5 (10,137) | Free | Finance | | [Rank - Save, Spend & Send](https://appshunter.io/ios/app/rank-save-spend-and-send/id1578727095) | 3.8 (12) | Free | Finance | | [C Money - Savings. 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