# Citizens Financial vs Citizens Access

The clearest difference is update cadence: Citizens Access at fortnightly against Citizens Financial's every 3 months. Citizens Financial's advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Citizens Financial ships an update every 3 months, Citizens Access fortnightly. The most recent releases landed on October 26, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Citizens Financial | Citizens Access |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.9 (12K ratings)](https://appshunter.io/ios/app/citizens-access/id1588115413/reviews)** |
| Number of ratings | — | **12K** |
| Positive reviews | — | 34.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Fortnightly** |
| Monetization | — | Free |
| Size | 11 MB | 73 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Citizens Financial](https://appshunter.io/developer/1439947808) | [Citizens Bank, N.A.](https://appshunter.io/developer/388082491) |

## What reviewers say

### Citizens Financial

[App page](https://appshunter.io/ios/app/citizens-financial/id1439947809)

**Features:** macOS Compatibility

**In-app purchases:** none


### Citizens Access

[App page](https://appshunter.io/ios/app/citizens-access/id1588115413)

Manage your finances conveniently from your mobile device. Access your CD and Savings accounts 24/7, view statements and transaction history, and easily transfer funds in and out.

**Highlights:** 24/7 secure account access, View account summary, Access statements, View transaction history, Transfer money

**In-app purchases:** none

**What reviewers like**

- 💰 Great interest rate
- 👍 Easy to use app
- 🚀 Super easy to transfer funds

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- ⏱️ Slow external transfers
- 🔒 Unreliable login/authentication
- 📱 Limited app functionality compared to website

**Reported bugs**

- Login screen gets stuck on verification code
- Face ID/Touch ID not working consistently
- Deposits not showing up in account for days

**Requested features**

- Mobile check deposit
- Ability to open new accounts in-app
- Improved login experience with Face ID/Touch ID
- More detailed transaction history


## Frequently asked questions

### Is Citizens Financial free?

Citizens Financial is free to download, with no in-app purchases.

### Is Citizens Access free?

Citizens Access is free to download, with no in-app purchases.

### Do Citizens Financial or Citizens Access have ads?

Neither Citizens Financial nor Citizens Access shows ads.

### Which is updated more often, Citizens Financial or Citizens Access?

Citizens Financial ships an update every 3 months, and Citizens Access fortnightly. Most recently, Citizens Financial was updated on October 26, 2026 and Citizens Access on October 31, 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.*