# CBD vs C3Pay

The clearest difference is ads: C3Pay at none against CBD's shown. CBD's advantage is rating (4.8 vs 4.5) and monetization model (free vs ad-supported). On price, review sentiment, ratings volume and update cadence there is nothing between them.

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

CBD holds the better App Store score, 4.8 against 4.5. Both are backed by a comparable volume of ratings — 1.8K and 1.7K respectively. Written reviews point the same way: 39% of CBD's written reviews are positive against 34% of C3Pay's.

CBD ships an update every 10 days, C3Pay fortnightly. Both last shipped on September 22, 2026.

## The numbers

| Metric | CBD | C3Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.8K ratings)](https://appshunter.io/ios/app/cbd-instant-digital-banking/id524929197/reviews)** | [4.5 (1.7K ratings)](https://appshunter.io/ios/app/c3pay/id975098510/reviews) |
| Number of ratings | **1.8K** | 1.7K |
| Positive reviews | **39.2% of reviews** | 34.1% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 10 days** | Fortnightly |
| Monetization | **Free** | Ad-supported |
| Size | 421 MB | 184 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Commercial Bank of Dubai](https://appshunter.io/developer/524929200) | [C3 Card](https://appshunter.io/developer/975098509) |

## What reviewers say

### CBD

[App page](https://appshunter.io/ios/app/cbd-instant-digital-banking/id524929197)

Manage your finances on the go with a secure and fast mobile banking app. Open accounts, apply for credit cards and loans, and make instant transfers and payments. Enjoy exclusive lifestyle offers with your debit or credit card.

**Highlights:** Instant account opening, Credit card and loan applications, Instant money transfers, Utility bill payments, 1,000+ lifestyle offers, Secure mobile banking

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

**In-app purchases:** none

**What reviewers like**

- ⭐ Excellent services
- ⭐ Fast and easy
- ⭐ Wonderful experience
- ⭐ Very good bank
- ⭐ Convenient and easy to use

**What reviewers complain about**

- 🚫 Hungry for money
- 🚫 Worst customer service
- 🚫 Slow and unhelpful chatbots
- 🚫 Difficult to transfer money
- 🚫 App not working after update

**Reported bugs**

- App crashes and login issues
- Incompatibility with newer iOS versions
- Transferring money not working

**Requested features**

- Improve app performance and stability
- Enhance security features
- Introduce advanced budgeting and money management tools
- Provide better customer support


### C3Pay

[App page](https://appshunter.io/ios/app/c3pay/id975098510)

Manage your finances with ease. View balances and transactions, receive instant alerts for salary deposits and purchases, and transfer money internationally. Top up local and international mobile numbers quickly.

**Highlights:** View balance and transactions, Receive SMS alerts, International money transfers, Mobile number recharge, Clean and simple interface

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

**In-app purchases:** none

**What reviewers like**

- 💰 Fantastic money sending service
- 👍 Good service, users are very happy using this app

**What reviewers complain about**

- 🐛 App crashes frequently, issues with login and app access
- 🕰️ Slow response from customer support, long wait times for card replacement
- 💳 Unexpected deductions and account balance issues
- 🔄 Frequent app updates required

**Reported bugs**

- Login issues, app not opening on iOS 15
- Inability to register new card with app

**Requested features**

- Add money transfer functionality to more countries
- Improve app stability and reliability
- Enhance customer support responsiveness


## Frequently asked questions

### Is CBD free?

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

### Is C3Pay free?

C3Pay is free to download, with no in-app purchases.

### Which has better reviews, CBD or C3Pay?

CBD is rated higher. CBD averages 4.8 out of 5 from 1.8K ratings, while C3Pay averages 4.5 from 1.7K ratings.

### Do CBD or C3Pay have ads?

CBD shows ads; C3Pay does not.

### Which is updated more often, CBD or C3Pay?

CBD ships an update every 10 days, and C3Pay fortnightly. Most recently, CBD was updated on September 22, 2026 and C3Pay on September 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.*