Citizens Smart vs EarnSikka
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.
EarnSikka
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EarnSikka is an online multi-brand loyalty program through which loyalty points known as Sikka can be issued by various merchants and can also be redeemed in various merchants.
Screenshots
Verdict
The clearest difference is update cadence: EarnSikka at every 3 days against Citizens Smart's fortnightly. EarnSikka also leads on iOS requirement (11.0 vs 13.0). On price, ads, in-app purchases and device support 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.
Citizens Smart ships an update fortnightly, EarnSikka every 3 days. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | Citizens Smart | EarnSikka |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (31 ratings) — better | — |
| Positive reviews | 10.0% of reviews | — |
| Number of ratings | 31 — better | — |
| Update frequency | Fortnightly | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 187 MB | 80 MB |
| Age rating | 17+ | 4+ |
| Developer | Citizens Bank International Ltd. | IMPERIAL CREDIT & SAVINGS COOPERATIVE LTD. |
In-app purchases
Citizens Smart
No in-app purchases
EarnSikka
No in-app purchases
