# CTOS vs AmOnline

The clearest difference is rating: AmOnline at 5.0 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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

AmOnline holds the better App Store score, 5.0 against 2.6. Both are backed by a comparable volume of ratings — 5 and 5 respectively. Written reviews complicate that: 17% of CTOS's written reviews are positive against 14% of AmOnline's, so the app with the better star average is not the one people write more warmly about.

CTOS ships an update every 5 weeks, AmOnline every 3 weeks. The most recent releases landed on September 25, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | CTOS | AmOnline |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (5 ratings)](https://appshunter.io/ios/app/ctos/id656528483/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/amonline/id1514166708/reviews)** |
| Number of ratings | 5 | 5 |
| Positive reviews | **16.7% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 56 MB | 138 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CTOS Data Systems Sdn Bhd](https://appshunter.io/developer/656528486) | [AmBank (M) Berhad](https://appshunter.io/developer/370324965) |

## 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


### AmOnline

[App page](https://appshunter.io/ios/app/amonline/id1514166708)

Manage your finances and everyday banking with this secure mobile app. Features include quick balance checks, money transfers, bill payments, and applying for new financial products. Link loyalty programs and investment accounts for a comprehensive financial overview.

**Highlights:** Quick balance checks, Money transfers and bill payments, Apply for new financial products, Link loyalty programs (BonusLink), Manage ASNB and Tabung Haji accounts, Enhanced security features (AmSecure, Kill Switch)

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is CTOS free?

CTOS is free to download, with no in-app purchases.

### Is AmOnline free?

AmOnline is free to download, with no in-app purchases.

### Which has better reviews, CTOS or AmOnline?

AmOnline is rated higher. CTOS averages 2.6 out of 5 from 5 ratings, while AmOnline averages 5.0 from 5 ratings.

### Do CTOS or AmOnline have ads?

Neither CTOS nor AmOnline shows ads.

### Which is updated more often, CTOS or AmOnline?

CTOS ships an update every 5 weeks, and AmOnline every 3 weeks. Most recently, CTOS was updated on September 25, 2026 and AmOnline on September 24, 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.*