# Zomia vs CTZPay

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.

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.

## The numbers

| Metric | Zomia | CTZPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/zomia/id1457158477/reviews)** | [3.9 (75 ratings)](https://appshunter.io/ios/app/ctzpay/id1528655111/reviews) |
| Number of ratings | 2 | **75** |
| Positive reviews | — | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 83 MB | 59 MB |
| Requires iOS | **10.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Zomia SPC](https://appshunter.io/developer/1457158476) | [CAPITAL CONNECT LIMITED](https://appshunter.io/developer/1528300797) |

## What reviewers say

### Zomia

[App page](https://appshunter.io/ios/app/zomia/id1457158477)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### CTZPay

[App page](https://appshunter.io/ios/app/ctzpay/id1528655111)

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.

**Highlights:** Digital payments, Bill payment, Top-up services, Money transfers, Bus ticket purchases, Rewards and loyalty promotions

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Zomia free?

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

### Is CTZPay free?

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

### Which has better reviews, Zomia or CTZPay?

Zomia is rated higher. Zomia averages 5.0 out of 5 from 2 ratings, while CTZPay averages 3.9 from 75 ratings.

### Do Zomia or CTZPay have ads?

Neither Zomia nor CTZPay shows ads.

### Which is updated more often, Zomia or CTZPay?

Zomia ships an update every 4 months, and CTZPay every 2 months. Most recently, Zomia was updated on October 1, 2026 and CTZPay on October 25, 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.*