# CTZPay vs MTB Pay

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.

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.

## The numbers

| Metric | CTZPay | MTB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (74 ratings)](https://appshunter.io/ios/app/ctzpay/id1528655111/reviews) | **[4.9 (10 ratings)](https://appshunter.io/ios/app/mtb-pay/id6470009961/reviews)** |
| Number of ratings | **74** | 10 |
| Positive reviews | 16.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 5 months |
| Monetization | Free | Free |
| Size | 58 MB | 72 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CAPITAL CONNECT LIMITED](https://appshunter.io/developer/1528300797) | [MYANMA TOURISM BANK PUBLIC COMPANY LIMITED](https://appshunter.io/developer/1610470566) |

## What reviewers say

### 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

**In-app purchases:** none


### MTB Pay

[App page](https://appshunter.io/ios/app/mtb-pay/id6470009961)

Access financial services directly from your smartphone, 24/7. Perform seamless money transfers, top-ups, bill payments, and merchant transactions without banking hour limitations.

**Highlights:** Seamless Money Transfers, Top Up, Bill Payment, Cash In/ Cash Out, Merchant Payments

**In-app purchases:** none


## Frequently asked questions

### Is CTZPay free?

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

### Is MTB Pay free?

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

### Which has better reviews, CTZPay or MTB Pay?

MTB Pay is rated higher. CTZPay averages 3.9 out of 5 from 74 ratings, while MTB Pay averages 4.9 from 10 ratings.

### Do CTZPay or MTB Pay have ads?

Neither CTZPay nor MTB Pay shows ads.

### Which is updated more often, CTZPay or MTB Pay?

CTZPay ships an update every 2 months, and MTB Pay every 5 months. Most recently, CTZPay was updated on September 14, 2026 and MTB Pay on June 24, 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.*