Vircle vs CIMB OCTO MY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Vircle
This app helps parents and schools collaborate to raise children who are healthier, brighter, and financially responsible. It offers a secure payment solution with customizable spending rules, guiding children towards financial literacy as they grow.
- Digital allowance management
- Customizable spending rules
- Parental guidance tools
- Contactless payment introduction
- Financial literacy education
- Family circle collaboration
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Vircle enables parents and schools to work together to nurture healthier, brighter and financially responsible children through a state-of-the-art payment and nurturing solution. Vircle brings the best of payments control and parental guidance to help parents raise smart and financially responsible children. Vircle allows parents to provide their children with allowances (pocket money) digitally with accompanying rules on how it can be spent. For a young child, a parent may take a stronger control on their spending control and as they grow into teens, teach them responsible spending and financial literacy by allowing them to make decisions on how they want to spend their money. Vircle allows parents to safely introduce their children to the world of contactless payments in a responsible way within a trusted Family circle.
CIMB OCTO MY
Manage your finances securely and conveniently from anywhere. Check balances, transfer funds, pay bills, and control your cards. Invest and manage wealth on the go, with enhanced security features for peace of mind.
- Account balance checks
- Fund transfers (local & foreign)
- Bill payments (JomPAY)
- Prepaid mobile top-ups
- QR payments
- eFixed Deposits & investments
- SecureTAC transaction approval
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The CIMB OCTO MY App is packed with services that help you stay on top of your banking safely and easily, wherever you are. What you can do with CIMB OCTO MY: Account Management & Controls • Check balances and manage Current, Savings, Credit Card, Loan and Investment accounts • Make local and foreign fund transfers • Set CIMB Clicks, ATM and Credit Card limits • Activate cards, change PINs, freeze/unfreeze cards, manage spending controls and more • Link Credit Cards and CIMB Singapore Accounts Payments • Pay bills with JomPAY • Pay CIMB and other banks' cards and loans • Top up prepaid mobile services • Make QR payments across Malaysia, Singapore, Thailand, Indonesia and Cambodia • Manage DuitNow AutoDebit and DuitNow Request Wealth Management • Place and manage eFixed Deposit/-i (eFD/-i) and eTerm Investment Account-i (eTIA-i) • Manage ASNB and Unit Trust investments via MyWealth Security • Approve transactions securely with SecureTAC • Lock your CIMB Clicks ID instantly when needed Other Feature/Services • OCTO Widget for quick access to key banking functions • Apply for Personal Loans, Cash Advance and more • Contact us via Mailbox • Update TIN details for e-Invoices • Access Extra Care support services • Update email addresses for transaction alerts Personalisation • Customisable Quick Balance and Quick Menu • Save favourite billers and recipients • Quick Payment with biometric authentication or 6-digit passcode We will continue to add more features and improve based on your feedback. Contact us @ https://www.cimb.com.my/en/personal/help-support/contact-us.html For more information, visit www.cimb.com.my/cimbocto
Screenshots
Verdict
The clearest difference is rating: CIMB OCTO MY at 4.9 against Vircle's 4.0. CIMB OCTO MY also leads on ratings volume (477 vs 5). Vircle's advantage is review sentiment (100% vs 67%). 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.
CIMB OCTO MY holds the better App Store score, 4.9 against 4.0. That said, the two scores are not equally well evidenced: CIMB OCTO MY has 477 ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 100% of Vircle's written reviews are positive against 67% of CIMB OCTO MY's, so the app with the better star average is not the one people write more warmly about.
Vircle ships an update every 4 weeks, CIMB OCTO MY every 2 months. The most recent releases landed on October 21, 2026 and October 23, 2026 respectively.
| Parameter | Vircle | CIMB OCTO MY |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (5 ratings) | 4.9 (477 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 66.7% of reviews |
| Number of ratings | 5 | 477 — better |
| Update frequency | Every 4 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.6 | 16 — better |
| Further details — not scored | ||
| Size | 84 MB | 123 MB |
| Age rating | 4+ | 4+ |
| Developer | Debit Circles Sdn. Bhd. | CIMB Bank Berhad |
Customer experience
Vircle
CIMB OCTO MY
In-app purchases
Vircle
No in-app purchases
CIMB OCTO MY
No in-app purchases
