CTZPay vs MTB Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
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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.
MTB Pay
Access financial services directly from your smartphone, 24/7. Perform seamless money transfers, top-ups, bill payments, and merchant transactions without banking hour limitations.
- Seamless Money Transfers
- Top Up
- Bill Payment
- Cash In/ Cash Out
- Merchant Payments
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MTB Pay: MTB Pay, powered by Myanma Tourism Bank, offers users effortless access to financial services directly from their smartphones. Whether users prefer to link their bank accounts or operate independently, they can enjoy uninterrupted transactions, free from the constraints of banking hours, 24/7. Download MTB Pay now and experience the future of digital payments. Key Features: - Seamless Money Transfers - Top Up - Bill Payment - Cash In/ Cash Out - Merchant Payments
Screenshots
Verdict
The clearest difference is review sentiment: MTB Pay at 100% against CTZPay's 17%. MTB Pay also leads on rating (4.9 vs 3.9). CTZPay's advantage is ratings volume (74 vs 10) and update cadence (every 2 months vs every 5 months). On price, ads, in-app purchases and monetization model 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.
MTB Pay holds the better App Store score, 4.9 against 3.9. That said, the two scores are not equally well evidenced: CTZPay has 74 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 17% of CTZPay's written reviews are positive against 100% of MTB Pay's.
CTZPay ships an update every 2 months, MTB Pay every 5 months. The most recent releases landed on September 14, 2026 and June 24, 2026 respectively.
| Parameter | CTZPay | MTB Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (74 ratings) | 4.9 (10 ratings) — better |
| Positive reviews | 16.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 74 — better | 10 |
| Update frequency | Every 2 months — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 58 MB | 72 MB |
| Age rating | 4+ | 4+ |
| Developer | CAPITAL CONNECT LIMITED | MYANMA TOURISM BANK PUBLIC COMPANY LIMITED |
Customer experience
CTZPay
MTB Pay
In-app purchases
CTZPay
No in-app purchases
MTB Pay
No in-app purchases
