# 繳費靈手機服務 PPS on Mobile vs CTF Life

繳費靈手機服務 PPS on Mobile and CTF Life are too close to call on the numbers: across 8 compared parameters — price, review sentiment, update cadence and ads among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

繳費靈手機服務 PPS on Mobile ships an update every 2 months, CTF Life every 5 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | 繳費靈手機服務 PPS on Mobile | CTF Life |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.0 (2 ratings)](https://appshunter.io/ios/app/ctf-life/id1463922958/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | **7.7% of reviews** | 3.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 32 MB | 67 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [EPS Company (Hong Kong) Limited](https://appshunter.io/developer/425645422) | [Chow Tai Fook Life Insurance Company Limited](https://appshunter.io/developer/409994365) |

## What reviewers say

### 繳費靈手機服務 PPS on Mobile

[App page](https://appshunter.io/ios/app/pps-on-mobile/id563163623)

This app provides a simple and convenient platform for users in Hong Kong to pay over 900 different types of bills from their mobile devices. It allows for easy bill registration, payment, and access to transaction history, along with features to find nearby payment terminals and discover promotions.

**Highlights:** Pay bills from over 900 merchants, Register new bills across 30+ categories, View merchant lists by code, name, or category, Enquire payment history for the last 60 days, Discover latest promotions, Search for nearest PPS registration terminals

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Quite convenient, easy to use

**What reviewers complain about**

- 🐛 Super stupid interface, no user friendly at all
- 🐛 Not user friendly, always prompting to update
- 🐛 Cannot log in, keep showing internet error
- 🐛 Cannot open after upgraded to iOS16
- 🐛 Cannot login, keep loading

**Reported bugs**

- Cannot log in
- Keeps showing internet error
- Cannot open after iOS16 update
- Keeps loading, app doesn't work
- Frequent crashes and reinstalls required

**Requested features**

- 💡 Face/finger print recognition
- 💡 Biometric authorization
- 💡 App name change to PPSHK or PPS Mobile
- 💡 Improve screen resolution and functionality
- 💡 Support Face ID/Touch ID for login


### CTF Life

[App page](https://appshunter.io/ios/app/ctf-life/id1463922958)

Manage your insurance policies conveniently from your mobile device. This app allows customers to make premium payments, adjust investments, access policy details, update personal information, and submit small claims.

**Highlights:** Policy management, Premium payments, Investment adjustments, Policy information retrieval, Personal information updates, Small insurance claims, Product information access

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

**In-app purchases:** none


## Frequently asked questions

### Is 繳費靈手機服務 PPS on Mobile free?

繳費靈手機服務 PPS on Mobile is free to download, with no in-app purchases.

### Is CTF Life free?

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

### Do 繳費靈手機服務 PPS on Mobile or CTF Life have ads?

Neither 繳費靈手機服務 PPS on Mobile nor CTF Life shows ads.

### Which is updated more often, 繳費靈手機服務 PPS on Mobile or CTF Life?

繳費靈手機服務 PPS on Mobile ships an update every 2 months, and CTF Life every 5 weeks. Most recently, 繳費靈手機服務 PPS on Mobile was updated on November 1, 2026 and CTF Life on November 3, 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.*