Zomia vs CTZPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zomia
Manage your student loan details, track payments, and receive important notifications. This app provides a streamlined way for existing students to handle loan-related tasks without needing to log in repeatedly.
- View loan details and repayment terms
- Download contracts and view loan MAP
- Track payment history and download receipts
- Receive payment reminders and warnings
- Report payments and request deferment
- Submit income updates and renewal offers
Read full descriptionHide full description
Our mobile app reduces the need for you to regularly sign in on and use the Zomia website. Sign in once on your personal iOS device, and as long as you use the app periodically (or until you sign out directly), you won't need to provide your login credentials again. Get push notifications on your device in place of old-school e-mails, too! • View loan details, including amount borrowed and repayment terms • Download your contract and view your loan MAP • View payment history and download receipts • Receive payment reminders and late payment warnings • Report payments to Zomia • Request a deferment • Receive reminders about submitting grades and transcripts • Submit income updates • Respond to renewal offers • Submit new bank account information • View and interact with your lenders • Update your profile and other settings This app CANNOT be used by Zomia applicants or lenders. You must be a Zomia student to utilize the app!
CTZPay
This lifestyle application facilitates digital payments for everyday needs like bills, top-ups, and transfers. It also allows users to purchase bus tickets and access exclusive rewards and loyalty promotions.
- Digital payments
- Bill payment
- Top-up services
- Money transfers
- Bus ticket purchases
- Rewards and loyalty promotions
Read full descriptionHide full description
CTZPay is the lifestyle application that enables digital payment. CTZPay effortlessly combines financial and lifestyle activities, making it smarter, faster and easier to pay for everything; from daily essentials like bill payment, top up, transfer, and buy bus tickets. CTZPay users can also enjoy many exciting rewards and loyalty promotions available for all users.
Screenshots
Verdict
The clearest difference is rating: Zomia at 5.0 against CTZPay's 3.9. Zomia also leads on iOS requirement (10.0 vs 15.1). CTZPay's advantage is ratings volume (75 vs 2). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Zomia holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: CTZPay has 75 ratings behind it against 2, so its average is the more settled of the two.
Zomia ships an update every 4 months, CTZPay every 2 months. The most recent releases landed on October 1, 2026 and October 25, 2026 respectively.
| Parameter | Zomia | CTZPay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 3.9 (75 ratings) |
| Positive reviews | — | 16.7% of reviews |
| Number of ratings | 2 | 75 — better |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 10.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 83 MB | 59 MB |
| Age rating | 4+ | 4+ |
| Developer | Zomia SPC | CAPITAL CONNECT LIMITED |
Customer experience
Zomia
CTZPay
In-app purchases
Zomia
No in-app purchases
CTZPay
No in-app purchases
