# CTMFB vs Oxygen X Finance

The clearest difference is rating: Oxygen X Finance at 5.0 against CTMFB's 3.0. Oxygen X Finance also leads on update cadence (fortnightly vs monthly). CTMFB's advantage is ratings volume (7 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.

Oxygen X Finance holds the better App Store score, 5.0 against 3.0. That said, the two scores are not equally well evidenced: CTMFB has 7 ratings behind it against 1, so its average is the more settled of the two.

CTMFB ships an update monthly, Oxygen X Finance fortnightly. The most recent releases landed on October 10, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | CTMFB | Oxygen X Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (7 ratings)](https://appshunter.io/ios/app/ctmfb/id1662530510/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/oxygen-x-finance/id6517354552/reviews)** |
| Number of ratings | **7** | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 76 MB | 141 MB |
| Requires iOS | **15.5** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Prunny LLC](https://appshunter.io/developer/1552032565) | [OXYGEN X FINANCE COMPANY LIMITED](https://appshunter.io/developer/1755884603) |

## What reviewers say

### 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


### Oxygen X Finance

[App page](https://appshunter.io/ios/app/oxygen-x-finance/id6517354552)

Access financial solutions for investing and borrowing. Grow your money with investment plans and earn interest, or get instant loans with flexible repayment options. Secure and regulated for your peace of mind.

**Highlights:** Invest from ₦50,000, Earn up to 24.25% annual interest, Instant loans up to ₦10,000,000, Flexible repayment plans (91-365 days), Affordable interest rates (2-2.5% monthly), No collateral or paperwork required, Licensed & regulated by the CBN

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is CTMFB free?

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

### Is Oxygen X Finance free?

Oxygen X Finance is free to download, with no in-app purchases.

### Which has better reviews, CTMFB or Oxygen X Finance?

Oxygen X Finance is rated higher. CTMFB averages 3.0 out of 5 from 7 ratings, while Oxygen X Finance averages 5.0 from 1 ratings.

### Do CTMFB or Oxygen X Finance have ads?

Neither CTMFB nor Oxygen X Finance shows ads.

### Which is updated more often, CTMFB or Oxygen X Finance?

CTMFB ships an update monthly, and Oxygen X Finance fortnightly. Most recently, CTMFB was updated on October 10, 2026 and Oxygen X Finance on October 22, 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.*