# CIP Topup app vs CTMFB

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.

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.

## The numbers

| Metric | CIP Topup app | CTMFB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/cip-topup-app/id1600469000/reviews) | **[3.3 (6 ratings)](https://appshunter.io/ios/app/ctmfb/id1662530510/reviews)** |
| Number of ratings | 1 | **6** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | Free |
| Size | 37 MB | 76 MB |
| Requires iOS | **15.1** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [CIP TOP UP LIMITED](https://appshunter.io/developer/1600469002) | [Prunny LLC](https://appshunter.io/developer/1552032565) |

## What reviewers say

### CIP Topup app

[App page](https://appshunter.io/ios/app/cip-topup-app/id1600469000)

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.

**Highlights:** Airtime top-ups, Data purchases, Utility bill payments, Cable TV renewals, Secure transactions, Affordable services

**Features:** Vision Pro support

**In-app purchases:** none


### CTMFB

[App page](https://appshunter.io/ios/app/ctmfb/id1662530510)

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.

**Highlights:** Access to credit, Simple payment solutions, High-yield investment opportunities, Personal financial management tools, Digital bank account opening, Licensed and insured services

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is CIP Topup app free?

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

### Is CTMFB free?

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

### Which has better reviews, CIP Topup app or CTMFB?

CTMFB is rated higher. CIP Topup app averages 1.0 out of 5 from 1 ratings, while CTMFB averages 3.3 from 6 ratings.

### Do CIP Topup app or CTMFB have ads?

Neither CIP Topup app nor CTMFB shows ads.

### Which is updated more often, CIP Topup app or CTMFB?

CIP Topup app ships an update every 2 months, and CTMFB monthly. Most recently, CIP Topup app was updated on September 17, 2026 and CTMFB on September 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.*