CIP Topup app vs CTMFB
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CIP Topup app
This platform offers a fast, secure, and affordable way to pay bills and manage everyday expenses in Nigeria. It specializes in services like airtime top-ups, data purchases, and utility bill payments, aiming to simplify financial transactions for users.
- Airtime top-ups
- Data purchases
- Utility bill payments
- Cable TV renewals
- Secure transactions
- Affordable services
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CipTopUp is Nigeria’s leading bill payment platform, pioneering convenient, affordable, fast, and secure bill payment solutions across Nigeria. We specialise in online airtime top-ups, data purchases, utility bill payments, cable TV renewals, and more, providing Nigerians with a seamless and reliable way to manage their everyday bills. Our primary goal is to make bill payment in Nigeria easy and stress-free for everyone through our website and mobile app. Focusing on speed, security, and affordability, CipTopUp has become the trusted choice for millions of users who seek convenience without compromise.
CTMFB
This financial management app provides access to credit, payment solutions, and investment opportunities. It offers tools for personal finance management and allows users to open a digital bank account quickly. The service is licensed and insured in Nigeria.
- Access to credit
- Simple payment solutions
- High-yield investment opportunities
- Personal financial management tools
- Digital bank account opening
- Licensed and insured services
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We empower individuals with access to credit, simple payments solutions, high-yield investment opportunities and easy-to-use tools for personal financial management. CTMFB is headquartered in Ekiti State, Nigeria. Our Mission We think that credit and high-quality financial services are not impossible. Therefore, we aim to provide all individuals with the financial resources they need to live a dignified and prosperous life. Digital bank made for you Open a new CTMFB account from your phone and follow the simple registration steps to register an account in minutes. CTMFB (RC161772) is licensed by the cbn and insured by the NDIC in Nigeria.
Screenshots
Verdict
The clearest difference is rating: CTMFB at 3.3 against CIP Topup app's 1.0. CTMFB also leads on update cadence (monthly vs every 2 months) and ratings volume (6 vs 1). 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.
CTMFB holds the better App Store score, 3.3 against 1.0. That said, the two scores are not equally well evidenced: CTMFB has 6 ratings behind it against 1, so its average is the more settled of the two.
CIP Topup app ships an update every 2 months, CTMFB monthly. The most recent releases landed on September 17, 2026 and September 24, 2026 respectively.
| Parameter | CIP Topup app | CTMFB |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) | 3.3 (6 ratings) — better |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 1 | 6 — better |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 — better | 15.5 |
| Further details — not scored | ||
| Size | 37 MB | 76 MB |
| Age rating | 17+ | 4+ |
| Developer | CIP TOP UP LIMITED | Prunny LLC |
In-app purchases
CIP Topup app
No in-app purchases
CTMFB
No in-app purchases
Questions
Is CIP Topup app free?
Is CTMFB free?
Which has better reviews, CIP Topup app or CTMFB?
Do CIP Topup app or CTMFB have ads?
Which is updated more often, CIP Topup app or CTMFB?
Other comparisons
