# CB Pay vs Utgift

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.

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.

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

## The numbers

| Metric | CB Pay | Utgift |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (536 ratings)](https://appshunter.io/ios/app/cb-pay/id1333054033/reviews)** | — |
| Number of ratings | **536** | — |
| Positive reviews | 21.6% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free | — |
| Size | 39 MB | 42 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CB BANK PCL](https://appshunter.io/developer/1253837970) | [R24k Web-Atelje](https://appshunter.io/developer/1847330480) |

## What reviewers say

### CB Pay

[App page](https://appshunter.io/ios/app/cb-pay/id1333054033)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Easy to use
- 💡 Useful features like mobile top-up and bill payment

**What reviewers complain about**

- 🐛 Crashes and bugs
- ⏱️ Slow performance and frequent timeouts
- 🔒 Security issues with login and session management
- 📱 Compatibility problems with newer iOS versions
- 💸 Poor customer service

**Reported bugs**

- 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**

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


### Utgift

[App page](https://appshunter.io/ios/app/utgift-expenses-tracker/id6760619995)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Utgift Pro | $6.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*