# CTOS vs PMO PLUS

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.

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

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.

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

## The numbers

| Metric | CTOS | PMO PLUS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (5 ratings)](https://appshunter.io/ios/app/ctos/id656528483/reviews) | **[3.0 (4 ratings)](https://appshunter.io/ios/app/pmo-plus/id1529052640/reviews)** |
| Number of ratings | **5** | 4 |
| Positive reviews | 16.7% of reviews | **21.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Monthly** |
| Monetization | Free | Free |
| Size | 56 MB | 40 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [CTOS Data Systems Sdn Bhd](https://appshunter.io/developer/656528486) | [Public Mutual Bhd](https://appshunter.io/developer/1093323163) |

## 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


### PMO PLUS

[App page](https://appshunter.io/ios/app/pmo-plus/id1529052640)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Good UI compared to previous app
- 👍 Secure
- 👍 Good for retirement saving
- 👍 Amazing free takaful PA

**What reviewers complain about**

- 🐛 Slow loading times
- 🐛 Frequent crashes
- 🐛 Login issues
- 🐛 App freezes
- 🐛 Poor user experience

**Reported bugs**

- Unable to log in after update
- Confusing and frustrating authentication loop
- Cannot log in another account
- Securesign doesn't work
- Push notification not showing

**Requested features**

- 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


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