Comparison

RTN Smart vs CGR CU

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

CGR CU

Manage your finances conveniently from your mobile device. Check balances, view transaction history, transfer funds, pay bills, and deposit checks securely. Stay on top of your accounts anytime, anywhere.

Highlights
  • Check account balances
  • View transaction history
  • Transfer funds between accounts
  • Pay bills and loans
  • Deposit checks remotely
  • Secure messaging with bank
Read full description

CGR CU's Mobile Banking allows you to check balances, view transaction history, transfer funds, and pay loans on the go! Features: - Check Balances - View Transaction History - View Statements - Transfer Funds - Scheduled Transfers - Pay Bills - Pay Loans - Deposit Checks - Secure Messaging

Screenshots

RTN Smart4 screens
CGR CU4 screens

Verdict

The call

The clearest difference is rating: RTN Smart at 5.0 against CGR CU's 4.0. RTN Smart also leads on update cadence (fortnightly vs every 4 months) and iOS requirement (13.0 vs 15.1). On price, ratings volume, 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

RTN Smart holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 6 and 6 respectively.

UpkeepUpdate frequency

RTN Smart ships an update fortnightly, CGR CU every 4 months. The most recent releases landed on September 24, 2026 and September 25, 2026 respectively.

Scorecard3 real differences · 7 level
RTN Smart versus CGR CU: the parameters behind the verdict, then further details
ParameterRTN SmartCGR CU
PriceFreeFree
Rating5.0 (6 ratings) — better4.0 (6 ratings)
Positive reviews100.0% of reviews—
Number of ratings66
Update frequencyFortnightly — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size125 MB71 MB
Age rating17+4+
DeveloperRealTime NetworkingCGR Credit Union

Customer experience

RTN Smart

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

CGR CU

All ratings6 ratings
Positive66.7%
Neutral16.7%
Negative16.7%

In-app purchases

None

RTN Smart

No in-app purchases

None

CGR CU

No in-app purchases

Questions

Is RTN Smart free?
RTN Smart is free to download, with no in-app purchases.
Is CGR CU free?
CGR CU is free to download, with no in-app purchases.
Which has better reviews, RTN Smart or CGR CU?
RTN Smart is rated higher. RTN Smart averages 5.0 out of 5 from 6 ratings, while CGR CU averages 4.0 from 6 ratings.
Do RTN Smart or CGR CU have ads?
Neither RTN Smart nor CGR CU shows ads.
Which is updated more often, RTN Smart or CGR CU?
RTN Smart ships an update fortnightly, and CGR CU every 4 months. Most recently, RTN Smart was updated on September 24, 2026 and CGR CU on September 25, 2026.

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