# CTMFB vs Excarda

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.

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.

## The numbers

| Metric | CTMFB | Excarda |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (6 ratings)](https://appshunter.io/ios/app/ctmfb/id1662530510/reviews) | **[4.1 (16 ratings)](https://appshunter.io/ios/app/excarda/id6753588975/reviews)** |
| Number of ratings | 6 | **16** |
| Positive reviews | 0.0% of reviews | **86.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Free | Free |
| Size | 76 MB | 35 MB |
| Requires iOS | 15.5 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Prunny LLC](https://appshunter.io/developer/1552032565) | [攀 杨](https://appshunter.io/developer/1832245012) |

## 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


### Excarda

[App page](https://appshunter.io/ios/app/excarda/id6753588975)

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.

**Highlights:** Sell gift cards for Naira, Secure exchange process, Simple user experience, Designed for Nigerian users

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is CTMFB free?

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

### Is Excarda free?

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

### Which has better reviews, CTMFB or Excarda?

Excarda is rated higher. CTMFB averages 3.3 out of 5 from 6 ratings, while Excarda averages 4.1 from 16 ratings.

### Do CTMFB or Excarda have ads?

Neither CTMFB nor Excarda shows ads.

### Which is updated more often, CTMFB or Excarda?

CTMFB ships an update monthly, and Excarda every 3 months. Most recently, CTMFB was updated on September 24, 2026 and Excarda on August 27, 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.*