# CTOS vs TEKUNPay

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.

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.

## The numbers

| Metric | CTOS | TEKUNPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.6 (5 ratings)](https://appshunter.io/ios/app/ctos/id656528483/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | **16.7% of reviews** | 11.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 6 months |
| Monetization | Free | Free |
| Size | 56 MB | 19 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CTOS Data Systems Sdn Bhd](https://appshunter.io/developer/656528486) | [Yayasan Tekun Nasional](https://appshunter.io/developer/1255831689) |

## What reviewers say

### CTOS

[App page](https://appshunter.io/ios/app/ctos/id656528483)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### TEKUNPay

[App page](https://appshunter.io/ios/app/tekunpay/id1255831690)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*