Comparison

CTZPay vs Expensense

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Digital payments
  • Bill payment
  • Top-up services
  • Money transfers
  • Bus ticket purchases
  • Rewards and loyalty promotions
Read 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.

About

Expensense

Effortlessly track your income and expenses to achieve financial success. This app offers simple tools for budgeting, managing accounts, and understanding where your money goes, helping you save and reach your financial goals.

Highlights
  • Expense tracking
  • Income tracking
  • Budget creation
  • Account management
  • Offline functionality
  • FaceID security
  • iCloud backup
Features
Read full description

Expensense - effortless expense and income tracking for your financial success! Our app provides simple tools for effective financial management. Track your finances, create budgets, and achieve your financial goals with ease. It will help answer questions like: Where does the money go? What expenses do we have, and how can we save? Start managing your personal finances with our application. We help to make this process convenient for you. Application features: - Works without internet connection - Expense tracking - Income tracking - Adding and managing accounts - Balance adjustment on the account - Expense category management - Income category management - Expense category statistics - Income category statistics - Overall statistics for specific periods - App language selection - FaceID security - iCloud backup The app offers an auto-renewing Premium Subscription. Payment will be charged to iTunes Account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula Privacy Policy: https://app.websitepolicies.com/policies/view/sqwryhrm If you have any suggestions, write to us: expensense.app@gmail.com Download the app and start using it right now!

Screenshots

CTZPay4 screens
Expensense4 screens

Verdict

The call

The clearest difference is rating: Expensense at 5.0 against CTZPay's 3.9. Expensense also leads on update cadence (every 4 days vs every 2 months). CTZPay's advantage is in-app purchases (none vs 3) and ratings volume (74 vs 1). On price, ads and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Expensense sells 3 in-app purchases, starting at $2.99 per month. CTZPay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Expensense holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: CTZPay has 74 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

CTZPay ships an update every 2 months, Expensense every 4 days. The most recent releases landed on September 14, 2026 and July 16, 2026 respectively.

Scorecard6 real differences · 4 level
CTZPay versus Expensense: the parameters behind the verdict, then further details
ParameterCTZPayExpensense
PriceFreeFree
Rating3.9 (74 ratings)5.0 (1 ratings) — better
Positive reviews16.7% of reviews—
Number of ratings74 — better1
Update frequencyEvery 2 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.0
Further details — not scored
Size58 MB45 MB
Age rating4+4+
DeveloperCAPITAL CONNECT LIMITEDSultan Irkaliyev

Customer experience

CTZPay

All ratings70 ratings
Positive68.6%
Neutral7.1%
Negative24.3%
Written reviews6 reviews
Positive16.7%
Neutral0.0%
Negative83.3%

Expensense

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

CTZPay

No in-app purchases

3 purchases

Expensense

Subscriptions2
  • Monthly premium access$2.991 Month
  • Yearly premium access$12.991 Year
One-time1
  • Premium - Lifetime$24.99

Questions

Is CTZPay free?
CTZPay is free to download, with no in-app purchases.
Is Expensense free?
Expensense is free to download, with in-app purchases available.
Which has better reviews, CTZPay or Expensense?
Expensense is rated higher. CTZPay averages 3.9 out of 5 from 74 ratings, while Expensense averages 5.0 from 1 ratings.
Do CTZPay or Expensense have ads?
Neither CTZPay nor Expensense shows ads.
Which is updated more often, CTZPay or Expensense?
CTZPay ships an update every 2 months, and Expensense every 4 days. Most recently, CTZPay was updated on September 14, 2026 and Expensense on July 16, 2026.

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