# MOCO vs CIT Smart Mobile App

The clearest difference is rating: MOCO at 3.8 against CIT Smart Mobile App's 3.0. MOCO also leads on update cadence (every 2 months vs every 26 months) and ratings volume (12 vs 2). CIT Smart Mobile App's advantage is iOS requirement (12.4 vs 15.0). On price, in-app purchases and monetization model there is nothing between them.

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

MOCO holds the better App Store score, 3.8 against 3.0. That said, the two scores are not equally well evidenced: MOCO has 12 ratings behind it against 2, so its average is the more settled of the two.

MOCO ships an update every 2 months, CIT Smart Mobile App every 26 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | MOCO | CIT Smart Mobile App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (12 ratings)](https://appshunter.io/ios/app/moco-digital-wallet/id834786480/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/cit-smart-mobile-app/id6448749422/reviews) |
| Number of ratings | **12** | 2 |
| Positive reviews | 63.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | — |
| Update frequency | **Every 2 months** | Every 26 months |
| Monetization | Free | Free |
| Size | 62 MB | 12 MB |
| Requires iOS | 15.0 | **12.4** |
| Devices | **iPhone, iPad, iPod** | — |
| Age rating | 17+ | 4+ |
| Developer | [FOCUSONE Payment Solutions](https://appshunter.io/developer/1512145334) | [Citizen Investment Trust](https://appshunter.io/developer/1686092811) |

## What reviewers say

### MOCO

[App page](https://appshunter.io/ios/app/moco-digital-wallet/id834786480)

This app allows users to link their debit and credit cards for secure, fund-free transactions. Pay bills, book flights, and make QR code payments easily. Earn rewards on every transaction.

**Highlights:** Link debit and credit cards, In-app and QR code payments, Pay utility bills, Book flights, Earn reward points, Unified QR code payments

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

**In-app purchases:** none


### CIT Smart Mobile App

[App page](https://appshunter.io/ios/app/cit-smart-mobile-app/id6448749422)

Access your financial accounts quickly and securely. View balances, statements, and locate branches with navigation. Manage various insurance and investment funds.

**Highlights:** View account balances, Access mini and full statements, Locate branches with navigation, View insurance fund statements, Manage investment fund statements

**In-app purchases:** none


## Frequently asked questions

### Is MOCO free?

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

### Is CIT Smart Mobile App free?

CIT Smart Mobile App is free to download, with no in-app purchases.

### Which has better reviews, MOCO or CIT Smart Mobile App?

MOCO is rated higher. MOCO averages 3.8 out of 5 from 12 ratings, while CIT Smart Mobile App averages 3.0 from 2 ratings.

### Which is updated more often, MOCO or CIT Smart Mobile App?

MOCO ships an update every 2 months, and CIT Smart Mobile App every 26 months. Most recently, MOCO was updated on October 23, 2026 and CIT Smart Mobile App on October 22, 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.*