# SC Mobile Malaysia vs CTOS

The clearest difference is rating: SC Mobile Malaysia at 4.6 against CTOS's 2.6. SC Mobile Malaysia also leads on ratings volume (185 vs 5). CTOS's advantage is iOS requirement (13.0 vs 16.0). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SC Mobile Malaysia holds the better App Store score, 4.6 against 2.6. That said, the two scores are not equally well evidenced: SC Mobile Malaysia has 185 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 22% of SC Mobile Malaysia's written reviews are positive against 17% of CTOS's.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 22, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | SC Mobile Malaysia | CTOS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (185 ratings)](https://appshunter.io/ios/app/sc-mobile-malaysia/id392924154/reviews)** | [2.6 (5 ratings)](https://appshunter.io/ios/app/ctos/id656528483/reviews) |
| Number of ratings | **185** | 5 |
| Positive reviews | **21.9% of reviews** | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 173 MB | 56 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Standard Chartered Bank](https://appshunter.io/developer/367337301) | [CTOS Data Systems Sdn Bhd](https://appshunter.io/developer/656528486) |

## What reviewers say

### SC Mobile Malaysia

[App page](https://appshunter.io/ios/app/sc-mobile-malaysia/id392924154)

Manage your bank accounts and finances conveniently on the go. This app offers quick access to balances, transaction history, fund transfers, and online payments. It also includes features for investment profile review and secure authentication.

**Highlights:** View account balances and transactions without logging in, Secure login with fingerprint, Review customer investment profile, Transfer funds and make online payments, Secure two-factor authentication with SC Mobile Key, DuitNow ID registration and transfers, DuitNow QR payments

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### CTOS

[App page](https://appshunter.io/ios/app/ctos/id656528483)

Monitor your credit health and protect yourself from identity theft and fraud. Obtain your credit score report, subscribe to identity protection services, and update your profile to ensure accuracy. Receive alerts for suspicious activity and potential scams.

**Highlights:** Obtain CTOS Score report, Monitor credit health, Subscribe to CTOS SecureID, Safeguard from identity theft, Receive fraud alerts, Dark web monitoring, Credit monitoring

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

**In-app purchases:** none


## Frequently asked questions

### Is SC Mobile Malaysia free?

SC Mobile Malaysia is free to download, with no in-app purchases.

### Is CTOS free?

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

### Which has better reviews, SC Mobile Malaysia or CTOS?

SC Mobile Malaysia is rated higher. SC Mobile Malaysia averages 4.6 out of 5 from 185 ratings, while CTOS averages 2.6 from 5 ratings.

### Do SC Mobile Malaysia or CTOS have ads?

Neither SC Mobile Malaysia nor CTOS shows ads.

### Which is updated more often, SC Mobile Malaysia or CTOS?

SC Mobile Malaysia ships an update monthly, and CTOS monthly. Most recently, SC Mobile Malaysia was updated on October 22, 2026 and CTOS on October 23, 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.*