# CBT vs Citizens Access

The clearest difference is rating: Citizens Access at 4.9 against CBT's 4.3. Citizens Access also leads on ratings volume (11K vs 154) and review sentiment (33% vs 13%). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Citizens Access holds the better App Store score, 4.9 against 4.3. That said, the two scores are not equally well evidenced: Citizens Access has 11K ratings behind it against 154, so its average is the more settled of the two. Written reviews point the same way: 13% of CBT's written reviews are positive against 33% of Citizens Access's.

CBT ships an update monthly, Citizens Access fortnightly. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | CBT | Citizens Access |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (154 ratings)](https://appshunter.io/ios/app/cbt-mobile-banking/id847817645/reviews) | **[4.9 (11K ratings)](https://appshunter.io/ios/app/citizens-access/id1588115413/reviews)** |
| Number of ratings | 154 | **11K** |
| Positive reviews | 12.5% of reviews | **32.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 156 MB | 70 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Citizens Bank & Trust Co.](https://appshunter.io/developer/616124690) | [Citizens Bank, N.A.](https://appshunter.io/developer/388082491) |

## What reviewers say

### CBT

[App page](https://appshunter.io/ios/app/cbt-mobile-banking/id847817645)

Manage your finances on the go with this mobile banking application. Check account balances, review recent transactions, and easily transfer funds between your accounts. You can also deposit checks directly from your device.

**Highlights:** Check account balances, Search recent transactions, Transfer funds between accounts, Deposit checks on the go

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

**In-app purchases:** none


### Citizens Access

[App page](https://appshunter.io/ios/app/citizens-access/id1588115413)

Manage your finances conveniently from your mobile device. Access your CD and Savings accounts 24/7, view statements and transaction history, and easily transfer funds in and out.

**Highlights:** 24/7 secure account access, View account summary, Access statements, View transaction history, Transfer money

**In-app purchases:** none

**What reviewers like**

- 💰 Great interest rate
- 👍 Easy to use app
- 🚀 Super easy to transfer funds

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- ⏱️ Slow external transfers
- 🔒 Unreliable login/authentication
- 📱 Limited app functionality compared to website

**Reported bugs**

- Login screen gets stuck on verification code
- Face ID/Touch ID not working consistently
- Deposits not showing up in account for days

**Requested features**

- Mobile check deposit
- Ability to open new accounts in-app
- Improved login experience with Face ID/Touch ID
- More detailed transaction history


## Frequently asked questions

### Is CBT free?

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

### Is Citizens Access free?

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

### Which has better reviews, CBT or Citizens Access?

Citizens Access is rated higher. CBT averages 4.3 out of 5 from 154 ratings, while Citizens Access averages 4.9 from 11K ratings.

### Do CBT or Citizens Access have ads?

Neither CBT nor Citizens Access shows ads.

### Which is updated more often, CBT or Citizens Access?

CBT ships an update monthly, and Citizens Access fortnightly. Most recently, CBT was updated on September 22, 2026 and Citizens Access on September 23, 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.*