Comparison

RTN Smart vs CBT2Go Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • QR code payments
  • Contactless transactions
  • Digital ATM cash withdrawals
  • Loyalty program
  • Earn reward points
  • Exclusive discounts
  • Send gift cards
Read full description

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!

About

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.

Highlights
  • Balance alerts
  • Make payments
  • Transfer money
  • Mobile check deposit
  • View statements
  • Find branches/ATMs
  • Account security
Features
Read full description

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

RTN Smart4 screens
CBT2Go Mobile4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

RTN Smart ships an update fortnightly, CBT2Go Mobile monthly. The most recent releases landed on June 4, 2026 and September 21, 2026 respectively.

Scorecard5 real differences · 5 level
RTN Smart versus CBT2Go Mobile: the parameters behind the verdict, then further details
ParameterRTN SmartCBT2Go Mobile
PriceFreeFree
Rating5.0 (6 ratings) — better4.9 (453 ratings)
Positive reviews100.0% of reviews — better66.7% of reviews
Number of ratings6453 — better
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better18.4
Further details — not scored
Size125 MB175 MB
Age rating17+4+
DeveloperRealTime Networking LLCCentury Bank & Trust

Customer experience

RTN Smart

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

CBT2Go Mobile

All ratings453 ratings
Positive98.7%
Neutral0.9%
Negative0.4%
Written reviews3 reviews
Positive66.7%
Neutral33.3%
Negative0.0%

In-app purchases

None

RTN Smart

No in-app purchases

None

CBT2Go Mobile

No in-app purchases

Questions

Is RTN Smart free?
RTN Smart is free to download, with no in-app purchases.
Is CBT2Go Mobile free?
CBT2Go Mobile is free to download, with no in-app purchases.
Which has better reviews, RTN Smart or CBT2Go Mobile?
RTN Smart is rated higher. RTN Smart averages 5.0 out of 5 from 6 ratings, while CBT2Go Mobile averages 4.9 from 453 ratings.
Do RTN Smart or CBT2Go Mobile have ads?
Neither RTN Smart nor CBT2Go Mobile shows ads.
Which is updated more often, RTN Smart or CBT2Go Mobile?
RTN Smart ships an update fortnightly, and CBT2Go Mobile monthly. Most recently, RTN Smart was updated on June 4, 2026 and CBT2Go Mobile on September 21, 2026.

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