CTMFB vs Excarda
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
Excarda
Easily exchange popular gift cards for Naira. This secure platform offers a straightforward way for users in Nigeria to convert their gift cards into local currency.
- Sell gift cards for Naira
- Secure exchange process
- Simple user experience
- Designed for Nigerian users
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Excarda lets you turn popular gift cards into Naira with a simple, secure experience designed for users in Nigeria.
Screenshots
Verdict
The clearest difference is review sentiment: Excarda at 86% against CTMFB's 0%. Excarda also leads on rating (4.1 vs 3.3) and iOS requirement (13.0 vs 15.5). CTMFB's advantage is update cadence (monthly vs every 3 months). On price, ratings volume, ads and in-app purchases 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.
Excarda holds the better App Store score, 4.1 against 3.3. Both are backed by a comparable volume of ratings — 6 and 16 respectively. Written reviews point the same way: 0% of CTMFB's written reviews are positive against 86% of Excarda's.
CTMFB ships an update monthly, Excarda every 3 months. The most recent releases landed on September 24, 2026 and August 27, 2026 respectively.
| Parameter | CTMFB | Excarda |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (6 ratings) | 4.1 (16 ratings) — better |
| Positive reviews | 0.0% of reviews | 86.1% of reviews — better |
| Number of ratings | 6 | 16 — better |
| Update frequency | Monthly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.5 | 13.0 — better |
| Further details — not scored | ||
| Size | 76 MB | 35 MB |
| Age rating | 4+ | 4+ |
| Developer | Prunny LLC | 攀 杨 |
Customer experience
CTMFB
Excarda
In-app purchases
CTMFB
No in-app purchases
Excarda
No in-app purchases
