# Citizens Smart vs MoFin

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.

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.

## The numbers

| Metric | Citizens Smart | MoFin |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (31 ratings)](https://appshunter.io/ios/app/citizens-smart/id881860234/reviews) | **[4.0 (1 ratings)](https://appshunter.io/ios/app/mofin/id1612006101/reviews)** |
| Number of ratings | **31** | 1 |
| Positive reviews | 10.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 187 MB | 78 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Citizens Bank International Ltd.](https://appshunter.io/developer/1398765830) | [MoFin](https://appshunter.io/developer/1612006103) |

## What reviewers say

### Citizens Smart

[App page](https://appshunter.io/ios/app/citizens-smart/id881860234)

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.

**Highlights:** Banking on the go, Bill payments, Fund transfers, QR code payments, Instant online payments, Account information access, Secure encryption

**Features:** Vision Pro support

**In-app purchases:** none


### MoFin

[App page](https://appshunter.io/ios/app/mofin/id1612006101)

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.

**Highlights:** View account details, Check balance statements, Perform various transactions, Secure mobile banking, Financial institution focused

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Citizens Smart free?

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

### Is MoFin free?

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

### Which has better reviews, Citizens Smart or MoFin?

MoFin is rated higher. Citizens Smart averages 3.6 out of 5 from 31 ratings, while MoFin averages 4.0 from 1 ratings.

### Do Citizens Smart or MoFin have ads?

Neither Citizens Smart nor MoFin shows ads.

### Which is updated more often, Citizens Smart or MoFin?

Citizens Smart ships an update fortnightly, and MoFin every 2 weeks. Most recently, Citizens Smart was updated on October 24, 2026 and MoFin 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.*