Comparison

CTOS vs PMO PLUS

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

PMO PLUS

Manage your investment portfolio with an intuitive interface and comprehensive analytics. Track holdings, set alerts, and access financial tools to make informed decisions and plan for your future.

Highlights
  • Portfolio overview
  • Investment planning and monitoring
  • Goal-based account designation
  • Target price alerts
  • Fund price and analytics
  • Financial calculators
  • Transaction notifications
Features
Read full description

Developed with investors in mind, PMO PLUS comes with a new, enhanced user-friendly interface and an improved dashboard, providing investors with an overview of their portfolio holdings as well as comprehensive analytics to assist them in making informed investment decisions. With PMO PLUS, investors can: • Plan, invest and monitor their investments • Have an overview of their portfolio and investment accounts • Designate/earmark their investment accounts for specific financial goals • Set target price alerts and view the alert history for preferred funds • View fund prices and fund-related information under the Analytics feature • Receive and manage notifications on transactions, campaigns and promotions • Explore financial calculators to plan for their retirement needs • Update their profile and contact details • Learn more on financial and money management tips

Screenshots

CTOS4 screens
PMO PLUS4 screens

Verdict

The call

The clearest difference is rating: PMO PLUS at 3.0 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.

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

PMO PLUS holds the better App Store score, 3.0 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 21% of PMO PLUS's.

UpkeepUpdate frequency

CTOS ships an update every 5 weeks, PMO PLUS monthly. The most recent releases landed on September 25, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
CTOS versus PMO PLUS: the parameters behind the verdict, then further details
ParameterCTOSPMO PLUS
PriceFreeFree
Rating2.6 (5 ratings)3.0 (4 ratings) — better
Positive reviews16.7% of reviews21.4% of reviews — better
Number of ratings5 — better4
Update frequencyEvery 5 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.0
Further details — not scored
Size56 MB40 MB
Age rating4+4+
DeveloperCTOS Data Systems Sdn BhdPublic Mutual Bhd

Customer experience

CTOS

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

PMO PLUS

All ratings4 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews56 reviews
Positive21.4%
Neutral14.3%
Negative64.3%

Bugs and requests

CTOS

Not enough reviews yet to summarise bugs or requests.

PMO PLUS

Reported bugs

29 issues
  • Unable to log in after update
  • Confusing and frustrating authentication loop
  • Cannot log in another account
  • Securesign doesn't work
  • Push notification not showing
Show 24 more
  • App won't open
  • App crashed mid-payment
  • App suddenly crashed when viewing analytics
  • App does not launch after update
  • Service temporarily unavailable
  • System is down frequently
  • App keeps getting stuck at the start
  • Lagging and needs restart for fund analysis chart
  • Unable to change user ID and password
  • Loading error on login, portfolio, top up, DDA
  • App always stuck at one page
  • App freezes suddenly
  • App freezes regularly
  • Hanging on the front page after login
  • Floating transactions not showing up after payment
  • Application always stuck, no response during transaction or opening tabs
  • Screens didn't load successfully
  • Blank page when login
  • Page keeps freezing
  • Screen freezes after tapping features
  • Error on first run, exits by itself
  • Did not receive PAC after waiting
  • Slow loading, interface not smooth
  • App crashes from time to time

Requested features

17 requests
  • Add new funds notification
  • Ability to see statement directly in App
  • Include pie chart of investment breakdown
  • Auto rotate screen for iPad
  • Change app icon to be more futuristic
Show 12 more
  • Allow redemption of funds directly in the app
  • Add biometric login (Face ID, Touch ID, fingerprint)
  • Include full transaction features like switching and redemption
  • Improve user experience
  • Make SecureSign accessible after login
  • Allow users to top up easily
  • Add repurchase function
  • Improve app stability
  • Improve UI and navigation
  • Add Face ID
  • Add TouchID and FaceID
  • Implement fingerprint login

In-app purchases

None

CTOS

No in-app purchases

None

PMO PLUS

No in-app purchases

Questions

Is CTOS free?
CTOS is free to download, with no in-app purchases.
Is PMO PLUS free?
PMO PLUS is free to download, with no in-app purchases.
Which has better reviews, CTOS or PMO PLUS?
PMO PLUS is rated higher. CTOS averages 2.6 out of 5 from 5 ratings, while PMO PLUS averages 3.0 from 4 ratings.
Do CTOS or PMO PLUS have ads?
Neither CTOS nor PMO PLUS shows ads.
Which is updated more often, CTOS or PMO PLUS?
CTOS ships an update every 5 weeks, and PMO PLUS monthly. Most recently, CTOS was updated on September 25, 2026 and PMO PLUS on October 7, 2026.

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