# TMBank vs CreciPay

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.

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

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

## The numbers

| Metric | TMBank | CreciPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.3 (11 ratings)](https://appshunter.io/ios/app/crecipay/id1638751180/reviews)** |
| Number of ratings | — | **11** |
| Positive reviews | 16.5% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 110 MB | 51 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Teachers Mutual Bank Limited](https://appshunter.io/developer/473881039) | [Creci Technologies LLC](https://appshunter.io/developer/1652414990) |

## What reviewers say

### TMBank

[App page](https://appshunter.io/ios/app/tmbank/id710017344)

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:** macOS Compatibility

**In-app purchases:** none


### CreciPay

[App page](https://appshunter.io/ios/app/crecipay/id1638751180)

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:** macOS Compatibility

**In-app purchases:** none


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