Comparison

TMBank vs CreciPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

TMBank

Manage your everyday banking with ease, security, and speed. Check balances instantly, track spending by category, set savings goals, and personalize your home screen. Securely lock or unlock transactions and view card details without your physical card.

Highlights
  • Quick balance check without login
  • Track spending by category
  • Set savings goals
  • Personalize home screen
  • Lock/unlock transactions
  • View card details
Features
Read full description

Everyday banking is easier than ever using the Teachers Mutual Bank Mobile Banking App¹. You'll find all the things you can expect to make everyday banking simple, safe and fast. • Need a quick balance check? Use the Quick Balance feature to view your account balance instantly – no login needed! Fast, secure, and always at your fingertips. • Track your spending – Know where your money is going with the "How I Spend" feature. You can now track your spend for the month across different categories. • Maximise your savings by setting a goal in your savings account. Create a plan to get what you want – from a new car to a dream holiday. • Personalise your home screen to keep your top banking tasks at your fingertips. Choose what accounts, goals and spending trackers to show, plus quick links for transfers and payments. Reorder and rename to your heart’s content. • Lock or unlock transactions anytime, anywhere. Block online payments, ATM withdrawals, or even view your full card details – no physical card needed. Please note: If you have used digital banking before, you’re ready to use the app. You just need your Member Number and Internet Banking Password. Visit tmbank.com.au/faq for help. Important Information ¹ You should consider whether this service is appropriate for you before acquiring it. For additional information, please refer to our Security Guide for electronic transactions and the Mobile App Terms of Use. An internet connection is required to use the Mobile App. Normal mobile data charges apply. We test mobile banking to ensure compatibility with most popular devices, but cannot guarantee compatibility with all devices and operating systems. Teachers Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981. We collect anonymous information on how you use the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app, you are giving your consent.

About

CreciPay

Access your earned money anytime for payments, savings, or any other use. Manage your finances conveniently and securely.

Highlights
  • Access earned money
  • Pay bills
  • Save money
  • Flexible spending options
Features
Read full description

Accesa tu dinero ya trabajado cuando quieras. Paga cuentas, ahorra, o utiliza tu dinero como quieras.

Screenshots

TMBank4 screens
CreciPay2 screens

Verdict

The call

The clearest difference is ads: TMBank at none against CreciPay's shown. TMBank also leads on monetization model (free vs ad-supported) and iOS requirement (13.0 vs 15.0). CreciPay's advantage is update cadence (monthly vs every 5 months). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

TMBank ships an update every 5 months, CreciPay monthly. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
TMBank versus CreciPay: the parameters behind the verdict, then further details
ParameterTMBankCreciPay
PriceFreeFree
Rating—4.3 (11 ratings) — better
Positive reviews16.5% of reviews—
Number of ratings—11 — better
Update frequencyEvery 5 monthsMonthly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size110 MB51 MB
Age rating4+4+
DeveloperTeachers Mutual Bank LimitedCreci Technologies LLC

Customer experience

TMBank

Written reviews121 reviews
Positive16.5%
Neutral14.9%
Negative68.6%

CreciPay

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%

In-app purchases

None

TMBank

No in-app purchases

None

CreciPay

No in-app purchases

Questions

Is TMBank free?
TMBank is free to download, with no in-app purchases.
Is CreciPay free?
CreciPay is free to download, with no in-app purchases.
Do TMBank or CreciPay have ads?
CreciPay shows ads; TMBank does not.
Which is updated more often, TMBank or CreciPay?
TMBank ships an update every 5 months, and CreciPay monthly. Most recently, TMBank was updated on October 23, 2026 and CreciPay on October 24, 2026.

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