# CTZPay vs Expensense

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.

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

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.

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.

## The numbers

| Metric | CTZPay | Expensense |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (74 ratings)](https://appshunter.io/ios/app/ctzpay/id1528655111/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/expensense-expense-tracker/id6475636833/reviews)** |
| Number of ratings | **74** | 1 |
| Positive reviews | 16.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | **Free** | Freemium |
| Size | 58 MB | 45 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [CAPITAL CONNECT LIMITED](https://appshunter.io/developer/1528300797) | [Sultan Irkaliyev](https://appshunter.io/developer/1462834127) |

## 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


### Expensense

[App page](https://appshunter.io/ios/app/expensense-expense-tracker/id6475636833)

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:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly premium access | $2.99 | per month |
| Yearly premium access | $12.99 | per year |
| Premium - Lifetime | $24.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*