Comparison

CTOS vs Tabung Haji

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

Tabung Haji

Manage your Tabung Haji accounts, register for Hajj services, and access other financial offerings. This app provides account overviews, fund transfers, Hajj registration and status checks, and membership services.

Highlights
  • Account overview and statements
  • Fund transfers
  • Hajj registration and status
  • Hajj offer checking
  • E-membership card
  • New account opening
Features
Read full description

THiJARI is an app which allows TH Depositors to access and manage their own TH accounts and other TH related services such as: 1. TH Accounts • Account Overview (Primary/Trustee) • Account Statement • Fund Transfer to TH Own Account (Trustee account)/ 3rd Party Account • Fund Transfer from Other Bank to TH Account • Direct Debit Services (Monthly frequent transfer) 2. Hajj Services • Hajj Registration (Individual/allow for Group for the first-time registration only) • Hajj Registration for My Trustee only • Hajj Registration Status Checking • Hajj Offer Checking/ Hajj Offer Acceptance • Hajj Flight Schedule Letter • Hajj Course • Hajj Appeal • Dam Payment for selected Hajj Pilgrims only 3. Kelab TaHa Services • Kelab TaHa - E-Membership Card • Rakan Kelab TaHa - Directory & Locator 4. Other Services • My Dashboard • View Nomination/ Hibah Amanah • Opening of New TH account • Opening Trustee Account (child under 18 years old) • Qurban • Sadaqah • Monthly Salary Distribution • eTelegraphic Transfer Application • TH Khairat More new features will be introduced, Register & Download now!

Screenshots

CTOS4 screens
Tabung Haji4 screens

Verdict

The call

The clearest difference is rating: Tabung Haji at 4.5 against CTOS's 2.6. CTOS's advantage is iOS requirement (13.0 vs 15.0). On price, review sentiment, ratings volume and update cadence 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

Tabung Haji holds the better App Store score, 4.5 against 2.6. Both are backed by a comparable volume of ratings — 5 and 4 respectively. Written reviews point the same way: 17% of CTOS's written reviews are positive against 18% of Tabung Haji's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 23, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
CTOS versus Tabung Haji: the parameters behind the verdict, then further details
ParameterCTOSTabung Haji
PriceFreeFree
Rating2.6 (5 ratings)4.5 (4 ratings) — better
Positive reviews16.7% of reviews18.0% of reviews — better
Number of ratings5 — better4
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.0
Further details — not scored
Size56 MB31 MB
Age rating4+4+
DeveloperCTOS Data Systems Sdn BhdLembaga Tabung Haji

Customer experience

CTOS

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

Tabung Haji

All ratings4 ratings
Positive75.0%
Neutral25.0%
Negative0.0%
Written reviews50 reviews
Positive18.0%
Neutral18.0%
Negative64.0%

In-app purchases

None

CTOS

No in-app purchases

None

Tabung Haji

No in-app purchases

Questions

Is CTOS free?
CTOS is free to download, with no in-app purchases.
Is Tabung Haji free?
Tabung Haji is free to download, with no in-app purchases.
Which has better reviews, CTOS or Tabung Haji?
Tabung Haji is rated higher. CTOS averages 2.6 out of 5 from 5 ratings, while Tabung Haji averages 4.5 from 4 ratings.
Do CTOS or Tabung Haji have ads?
Neither CTOS nor Tabung Haji shows ads.
Which is updated more often, CTOS or Tabung Haji?
CTOS ships an update monthly, and Tabung Haji monthly. Most recently, CTOS was updated on October 23, 2026 and Tabung Haji on November 3, 2026.

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