RTN Smart vs CBT2Go Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
RTN Smart
This app enables quick, secure, and cashless transactions using QR codes. It also offers digital ATM cash withdrawals and a loyalty program for earning rewards and exclusive discounts.
- QR code payments
- Contactless transactions
- Digital ATM cash withdrawals
- Loyalty program
- Earn reward points
- Exclusive discounts
- Send gift cards
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Welcome to RTN Smart - The USA's First QR Payment System! Experience the future of cashless and contactless payments with RTN Smart, the cutting-edge mobile payment app that revolutionizes the way you make transactions! Say goodbye to the inconvenience of carrying debit/credit cards or wallets and say hello to quick, secure, and hassle-free payments using just your phone. The Power of QR Code Payments RTN Smart utilizes Quick Response (QR) codes, the next-generation two-dimensional barcodes, to simplify your payment experience. By scanning the QR code displayed at merchants' locations, you can instantly complete transactions with ease. The QR code contains all essential transaction details, including the amount, merchant ID, and customer ID, ensuring swift and seamless payments. RTN Digital ATM: A New Era of Cash Withdrawals No need to visit physical ATMs anymore! With RTN Digital ATM, you can withdraw cash effortlessly from thousands of RTN-approved locations using your phone's QR code scanner. It's a fast, convenient, and secure way to access your money whenever you need it. Embrace the future of cash withdrawals with RTN Digital ATM! RTN Loyalty Program: Unlock Exclusive Rewards Make every purchase rewarding with our all-new loyalty program! Scan, pay, and earn reward points with each transaction. As a loyal customer, you'll gain access to exclusive coupons, gift cards, reward points, and special discounts on every purchase. The more you shop, the more you'll save. Join our loyalty program today and start earning exciting rewards with every purchase! Embrace the convenience and security of RTN Smart, RTN Digital ATM, and our enticing loyalty program. It's time to step into a future where payments are faster, smarter, and more rewarding with every transaction. Plus, they can even send RTN gift cards to their loved ones! Our app is simple, fast, and secure, allowing you to have a worry-free payment experience. RTN Smart has you covered any time, any place, whether you're paying at a store or withdrawing cash. So why wait? Download RTN Smart today and discover the future of payments. Join the thousands of satisfied customers who have already experienced the difference with RTN Smart. Feel the future! Feel the difference!
CBT2Go Mobile
Manage your finances on the go with this app. Set up balance alerts, make payments, transfer funds, and deposit checks instantly. View statements and locate branches or ATMs easily.
- Balance alerts
- Make payments
- Transfer money
- Mobile check deposit
- View statements
- Find branches/ATMs
- Account security
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CBT2Go Mobile is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with CBT2Go Mobile: -Set up alerts so you know when your balance drops below a certain amount -Make payments, whether you’re paying a company or a friend -Transfer money between your accounts -Deposit checks in a snap by taking a picture of the front and back -View and save your monthly statements -Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric on supported devices.
Screenshots
Verdict
RTN Smart and CBT2Go Mobile both sit at 5.0 stars, but that hides the real split: 100% of RTN Smart's written reviews are positive against 67% of CBT2Go Mobile's. RTN Smart also leads on monetization model (free vs free with in-app purchases) and update cadence (fortnightly vs monthly). CBT2Go Mobile's advantage is ratings volume (453 vs 6). On price, rating, 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.
On the App Store both sit at effectively the same score — 5.0 for RTN Smart against 4.9 for CBT2Go Mobile. That said, the two scores are not equally well evidenced: CBT2Go Mobile has 453 ratings behind it against 6, so its average is the more settled of the two. Written reviews are what separate them: 100% of RTN Smart's written reviews are positive against 67% of CBT2Go Mobile's.
RTN Smart ships an update fortnightly, CBT2Go Mobile monthly. The most recent releases landed on June 4, 2026 and September 21, 2026 respectively.
| Parameter | RTN Smart | CBT2Go Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (6 ratings) — better | 4.9 (453 ratings) |
| Positive reviews | 100.0% of reviews — better | 66.7% of reviews |
| Number of ratings | 6 | 453 — better |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 13.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 125 MB | 175 MB |
| Age rating | 17+ | 4+ |
| Developer | RealTime Networking LLC | Century Bank & Trust |
Customer experience
RTN Smart
CBT2Go Mobile
In-app purchases
RTN Smart
No in-app purchases
CBT2Go Mobile
No in-app purchases
Questions
Is RTN Smart free?
Is CBT2Go Mobile free?
Which has better reviews, RTN Smart or CBT2Go Mobile?
Do RTN Smart or CBT2Go Mobile have ads?
Which is updated more often, RTN Smart or CBT2Go Mobile?
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