CTOS vs TEKUNPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Obtain CTOS Score report
- Monitor credit health
- Subscribe to CTOS SecureID
- Safeguard from identity theft
- Receive fraud alerts
- Dark web monitoring
- Credit monitoring
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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
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.
- Online loan repayments
- Check past repayment records
- View outstanding loan balances
- Check remaining loan amounts
- Supports multiple banks for payment
- Requires internet banking registration
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- 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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | CTOS | TEKUNPay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (5 ratings) — better | — |
| Positive reviews | 16.7% of reviews — better | 11.5% of reviews |
| Number of ratings | 5 — better | — |
| Update frequency | Every 5 weeks — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 56 MB | 19 MB |
| Age rating | 4+ | 4+ |
| Developer | CTOS Data Systems Sdn Bhd | Yayasan Tekun Nasional |
Customer experience
CTOS
TEKUNPay
In-app purchases
CTOS
No in-app purchases
TEKUNPay
No in-app purchases









