Citizens Smart vs MoFin
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Citizens Smart
Manage your bank accounts, pay bills, and transfer funds conveniently from your mobile device. This secure app offers features like QR code payments and instant online transactions, making banking accessible anytime, anywhere without visiting a branch.
- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Instant online payments
- Account information access
- Secure encryption
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Citizens Smart is Citizens Bank's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Citizens Bank. This App will be regularly updated with additional new features. Key Features: 1. Banking On the Go 2. Bill Payments Made Easier 3. Top Up Made Easier 4. Fund Transfers Made Easier 5. QR Code: Scan and Pay 6. Instant Online and Retail Payment with Fonepay Network 7. Accessing your Account Informations Made Easier 8. User Friendly, Safe and Secure 9. And Many More Exciting Features Citizens Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Citizens Bank, and you need to subscribe to the Citizens Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Citizens Smart is a Member of Fonepay Network. Smart Banking for Smart People.
MoFin
Manage your finances with a mobile banking app designed for financial institutions. View account details, check balances, and conduct various transactions securely. Stay on top of your money with easy access to your financial information.
- View account details
- Check balance statements
- Perform various transactions
- Secure mobile banking
- Financial institution focused
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Mobile Banking app for financial institutions to perform activities like viewing account details, balance statement and making various transactions by the users associated with the institution.
Screenshots
Verdict
The clearest difference is rating: MoFin at 4.0 against Citizens Smart's 3.6. Citizens Smart's advantage is ratings volume (31 vs 1) and iOS requirement (13.0 vs 15.5). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
MoFin holds the better App Store score, 4.0 against 3.6. That said, the two scores are not equally well evidenced: Citizens Smart has 31 ratings behind it against 1, so its average is the more settled of the two.
Citizens Smart ships an update fortnightly, MoFin every 2 weeks. Both last shipped on October 24, 2026.
| Parameter | Citizens Smart | MoFin |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (31 ratings) | 4.0 (1 ratings) — better |
| Positive reviews | 10.0% of reviews | — |
| Number of ratings | 31 — better | 1 |
| Update frequency | Fortnightly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 187 MB | 78 MB |
| Age rating | 17+ | 4+ |
| Developer | Citizens Bank International Ltd. | MoFin |
Customer experience
Citizens Smart
MoFin
In-app purchases
Citizens Smart
No in-app purchases
MoFin
No in-app purchases
