Comparison

CTOS vs TEKUNPay

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

Head to head
About

CTOS

Monitor your credit health and protect yourself from identity theft and fraud. Obtain your credit score report, subscribe to identity protection services, and update your profile to ensure accuracy. Receive alerts for suspicious activity and potential scams.

Highlights
  • Obtain CTOS Score report
  • Monitor credit health
  • Subscribe to CTOS SecureID
  • Safeguard from identity theft
  • Receive fraud alerts
  • Dark web monitoring
  • Credit monitoring
Features
Read full description

CTOS is Malaysia’s leading credit reporting agency with more than 1 million CTOS ID users! This application enables you to obtain your CTOS User ID so that you can:- 1. Get your CTOS Score report via the mobile app to monitor your credit health 2. Subscribe to CTOS SecureID to safeguard yourself from identity theft, fraud and scams 3. Amend your CTOS ID profile so that it is accurate and up-to-date MyCTOS Score Report =================== • Increase your chances of loan approval • Check for warning signs of identity theft & fraud • See if there's litigation or bankruptcy case under your name • Check if you owe anyone (Trade References - eTR) • Fix inaccuracies and 'clean up' your credit report CTOS SecureID ============= 1. Fraud Alerts: • Dark Web Monitoring: Scanning over 14 billion data breach records to detect if your info has been compromised • New Credit Application: Alerts you on any new credit applications under your name • Credit Limit Changes: Alerts you on any changes in your credit limit (increased or decreased) • Account Closure: Alerts you on closures of any credit facilities under your name • Changes of Address: Alerts you on any address changes associated with your NRIC number • Scam Alerts: Provide you alerts on latest scam so you can take precautions 2. Credit Monitoring: • Score Updates: Monitor changes in your credit score reports every 3 months • Missed Payments: Monthly alert on missed payments • Bankruptcy Records: Know if bankruptcy cases are falsely booked or reported under your name • Litigation Records: Know if anything legal is falsely booked or reported in court system • Trade Referee Listings (eTR): Know if you are listed by non-financial institutions for outstanding debt 3. Takaful Coverage • Up to RM20,000 takaful coverage: Get coverage for financial losses due to fraudulent transactions and more.. We are constantly updating the CTOS ID mobile app to add more features. Download now! Learn more at www.ctoscredit.com.my Like us on Facebook for more updates at https://www.facebook.com/ctosdatasystems

About

TEKUNPay

This app allows TEKUN loan borrowers to make loan repayments online easily and quickly. Users can check past repayment records, outstanding balances, and remaining loan amounts at any time, from anywhere. It requires an internet banking account with a participating bank for payments.

Highlights
  • Online loan repayments
  • Check past repayment records
  • View outstanding loan balances
  • Check remaining loan amounts
  • Supports multiple banks for payment
  • Requires internet banking registration
Features
Read full description

- Aplikasi Bayaran TEKUN merupakan salah satu kaedah bayaran balik secara atas talian (online) menggunakan sistem applikasi bayaran yang disediakan kepada semua peminjam TEKUN dengan lebih mudah, cepat dan boleh dilaksanakan pada bila-bila masa dan di mana sahaja. - Antara kemudahan yang disediakan melalui Aplikasi Bayaran TEKUN: • Membuat bayaran balik pembiayaan TEKUN • Membuat semakan rekod bayaran balik yang terdahulu • Membuat semakan jumlah tunggakan bayaran pembiayaan TEKUN • Membuat semakan baki pembiayaan yang perlu dijelaskan kepada TEKUN Nasional. - Bagi tujuan pembayaran balik pembiayaan TEKUN, peminjam boleh memilih senarai bank yang disediakan – peminjam perlu memiliki akaun bank yang telah didaftar dengan perbankan internet. - Peminjam TEKUN perlu memuat turun aplikasi bayaran ini ke dalam telefon dan mendaftar sebagai pengguna di dalam Aplikasi Bayaran TEKUN ini.

Screenshots

CTOS4 screens
TEKUNPay4 screens

Verdict

The call

The clearest difference is update cadence: CTOS at every 5 weeks against TEKUNPay's every 6 months. CTOS also leads on iOS requirement (13.0 vs 15.6). On price, review sentiment, 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.

UpkeepUpdate frequency

CTOS ships an update every 5 weeks, TEKUNPay every 6 months. The most recent releases landed on September 25, 2026 and October 6, 2026 respectively.

Scorecard2 real differences · 8 level
CTOS versus TEKUNPay: the parameters behind the verdict, then further details
ParameterCTOSTEKUNPay
PriceFreeFree
Rating2.6 (5 ratings) — better—
Positive reviews16.7% of reviews — better11.5% of reviews
Number of ratings5 — better—
Update frequencyEvery 5 weeks — betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size56 MB19 MB
Age rating4+4+
DeveloperCTOS Data Systems Sdn BhdYayasan Tekun Nasional

Customer experience

CTOS

All ratings5 ratings
Positive40.0%
Neutral0.0%
Negative60.0%
Written reviews6 reviews
Positive16.7%
Neutral0.0%
Negative83.3%

TEKUNPay

Written reviews26 reviews
Positive11.5%
Neutral3.8%
Negative84.6%

In-app purchases

None

CTOS

No in-app purchases

None

TEKUNPay

No in-app purchases

Questions

Is CTOS free?
CTOS is free to download, with no in-app purchases.
Is TEKUNPay free?
TEKUNPay is free to download, with no in-app purchases.
Do CTOS or TEKUNPay have ads?
Neither CTOS nor TEKUNPay shows ads.
Which is updated more often, CTOS or TEKUNPay?
CTOS ships an update every 5 weeks, and TEKUNPay every 6 months. Most recently, CTOS was updated on September 25, 2026 and TEKUNPay on October 6, 2026.

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