Comparison

CB Pay vs Utgift

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CB Pay

This mobile banking app offers a convenient way to manage your finances on the go. Perform transfers, make payments via QR codes, top up mobile phones, and apply for banking services. It also helps you locate ATMs, branches, and merchants.

Highlights
  • Money transfers via ATM, account, phone, or NRIC number
  • Dynamic and static QR code payments
  • Mobile top-ups for major carriers
  • ATM/branch/merchant location finder
  • Scheduled payments
  • Bill payments
Features
Read full description

CB Bank PCL is one of the largest private banks in Myanmar. CB Bank was established on 21st August 1992 with the permission of the Central Bank of Myanmar under the law of Financial Institutions of Myanmar and the Central Bank of Myanmar. CB bank always strives to offer enjoyable experiences for the customers with the best solution and most reliable financial services. With such objectives towards improving technology and innovation in the rapidly changing landscape of banking and financial services, we have launched the CB Pay – mobile banking app which is a solution to delight our valued customers. CB Pay not only facilitates banking at your fingertips but also eases your lifestyle. CB Pay is a mobile banking service which is available to use in all mobile phone devices. Customers can download CB Pay app to their mobile phones and do self-registration for their wallet account. If customers already have ATM card, they can register with their ATM card number so that CB pay will automatically link with his ATM card account. CB Pay Features - Transfer money to all CB Bank customers with ATM card number, Account number, Phone number (CB pay number) or even with NRIC number for those who do not have bank account/ATM or CB pay wallet account. - Pay or Request money with dynamic QR code within CB pay users. - Make payment with static QR code at stores, restaurants or taxi drivers. - Check the default account’s balance at sneak peak - Top-up mobile (MPT, MecTel, Telenor, Ooredoo) - Enjoy services like ATM card application, loan application or cheque book requests. - Pay your bills such as electricity bill, 4-TV bill or insurance. - Top-up Master/Visa cards and repay credit card - Find your nearest CB Bank ATMs/CRM, branches, Exchange Counters, CB agents and Merchants locations on-the-go. - Scheduling your payment for specific purpose and dates. - Find up-to-date exchange rate

About

Utgift

Features
Read full description

Track every expense without anyone tracking you back. Utgift is a clean, fast expense tracker designed in Sweden. Your data lives on your phone, not on someone else's server. No accounts. No ads. No analytics. Ever. Built for people who want to know where their money goes without handing their bank logins to a startup. What you can do: Log expenses in two taps with smart categories like food, rent, transport, fun, and more. See your month at a glance on a home screen that does not lecture you. Browse your full history grouped by day, filtered by money in or money out. Spot patterns with insights that make category breakdowns obvious. Track multiple currencies with automatic conversion using daily ECB rates. Choose your language: English, Swedish, Dutch, German, or French. Privacy as a feature Utgift never collects, sells, or transmits your financial data. Everything stays on your device. We do not even have a way to see it. Pricing: Try Utgift free for 7 days. After that, it's €7.99 per year. One price, full app, no feature tiers. Made with love in Sweden by R24k Web-Ateljé. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/storeapps.html

Screenshots

CB Pay4 screens
Utgift4 screens

Verdict

The call

The clearest difference is in-app purchases: CB Pay at none against Utgift's 1. Utgift's advantage is update cadence (monthly vs every 4 months). On price, ads, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Utgift sells 1 in-app purchase, starting at $6.99 per year. CB Pay asks for nothing beyond the download.

UpkeepUpdate frequency

CB Pay ships an update every 4 months, Utgift monthly. The most recent releases landed on October 25, 2026 and October 17, 2026 respectively.

Scorecard2 real differences · 8 level
CB Pay versus Utgift: the parameters behind the verdict, then further details
ParameterCB PayUtgift
PriceFreeFree
Rating3.7 (536 ratings) — better—
Positive reviews21.6% of reviews—
Number of ratings536 — better—
Update frequencyEvery 4 monthsMonthly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size39 MB42 MB
Age rating4+4+
DeveloperCB BANK PCLR24k Web-Atelje

Bugs and requests

CB Pay

Reported bugs

4 issues
  • Login screen freezes and crashes
  • Issues with mobile top-up and bill payment
  • Incorrect transaction dates
  • Problems with gift card and QR code scanning features

Requested features

4 requests
  • Expand transaction history view
  • Add support for more payment methods like Wave Money
  • Improve UI and design
  • Implement Myanmar Unicode support

Utgift

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CB Pay

No in-app purchases

1 purchases

Utgift

Subscriptions1
  • Utgift Pro7 Days trial$6.991 Year

Questions

Is CB Pay free?
CB Pay is free to download, with no in-app purchases.
Is Utgift free?
Utgift is free to download, with in-app purchases available.
Do CB Pay or Utgift have ads?
Neither CB Pay nor Utgift shows ads.
Which is updated more often, CB Pay or Utgift?
CB Pay ships an update every 4 months, and Utgift monthly. Most recently, CB Pay was updated on October 25, 2026 and Utgift on October 17, 2026.

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