# MTB Neo vs CB Pay

The clearest difference is rating: CB Pay at 3.7 against MTB Neo's 3.4. CB Pay also leads on iOS requirement (11.0 vs 15.6). MTB Neo's advantage is review sentiment (41% vs 22%) and update cadence (every 5 weeks vs every 4 months). On price, ratings volume, 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.

CB Pay holds the better App Store score, 3.7 against 3.4. Both are backed by a comparable volume of ratings — 238 and 527 respectively. Written reviews complicate that: 41% of MTB Neo's written reviews are positive against 22% of CB Pay's, so the app with the better star average is not the one people write more warmly about.

MTB Neo ships an update every 5 weeks, CB Pay every 4 months. The most recent releases landed on September 28, 2026 and September 19, 2026 respectively.

## The numbers

| Metric | MTB Neo | CB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (238 ratings)](https://appshunter.io/ios/app/mtb-neo/id893471328/reviews) | **[3.7 (527 ratings)](https://appshunter.io/ios/app/cb-pay/id1333054033/reviews)** |
| Number of ratings | 238 | **527** |
| Positive reviews | **41.0% of reviews** | 21.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 140 MB | 56 MB |
| Requires iOS | 15.6 | **11.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Mutual Trust Bank Limited](https://appshunter.io/developer/1568280319) | [CB BANK PCL](https://appshunter.io/developer/1253837970) |

## What reviewers say

### MTB Neo

[App page](https://appshunter.io/ios/app/mtb-neo/id893471328)

Manage your bank accounts and perform various financial transactions on the go. This app allows real-time account viewing, fund transfers, mobile recharges, and bill payments. It also facilitates opening new products and ordering checkbooks, all secured with advanced encryption and two-factor authentication.

**Highlights:** Real-time account information, Fund transfers (local & international), Mobile top-up, Credit card management, Bill payments, FDR & DPS account opening, Checkbook ordering

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

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent user interface
- 🚀 Smooth and fast performance
- 🔒 Enhanced security features
- 💡 Convenient features like DPS and FDR opening
- 👍 Fresh and new UI design

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 Biometric login not working
- 🐛 Compatibility issues with new iOS versions
- 🐛 Slow loading times and server connection issues
- 🐛 Bugs in specific features like mobile recharge and QR payment

**Reported bugs**

- App crashes on launch for new iPhones
- App not working on iPad Air 6
- Credit card details not visible in the app
- QR payment not working
- Registration process bug causing app to close

**Requested features**

- Add option to choose OTP delivery method
- Provide deposit scheme closure option in the app
- Bring back transaction screenshot sharing feature
- Add card to Apple Wallet integration
- Improve RTGS feature


### CB Pay

[App page](https://appshunter.io/ios/app/cb-pay/id1333054033)

This mobile banking app offers a convenient way to manage your finances on the go. Perform transfers, make payments via QR codes, top up mobile phones, and apply for banking services. It also helps you locate ATMs, branches, and merchants.

**Highlights:** Money transfers via ATM, account, phone, or NRIC number, Dynamic and static QR code payments, Mobile top-ups for major carriers, ATM/branch/merchant location finder, Scheduled payments, Bill payments

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Easy to use
- 💡 Useful features like mobile top-up and bill payment

**What reviewers complain about**

- 🐛 Crashes and bugs
- ⏱️ Slow performance and frequent timeouts
- 🔒 Security issues with login and session management
- 📱 Compatibility problems with newer iOS versions
- 💸 Poor customer service

**Reported bugs**

- Login screen freezes and crashes
- Issues with mobile top-up and bill payment
- Incorrect transaction dates
- Problems with gift card and QR code scanning features

**Requested features**

- Expand transaction history view
- Add support for more payment methods like Wave Money
- Improve UI and design
- Implement Myanmar Unicode support


## Frequently asked questions

### Is MTB Neo free?

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

### Is CB Pay free?

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

### Which has better reviews, MTB Neo or CB Pay?

CB Pay is rated higher. MTB Neo averages 3.4 out of 5 from 238 ratings, while CB Pay averages 3.7 from 527 ratings.

### Do MTB Neo or CB Pay have ads?

Neither MTB Neo nor CB Pay shows ads.

### Which is updated more often, MTB Neo or CB Pay?

MTB Neo ships an update every 5 weeks, and CB Pay every 4 months. Most recently, MTB Neo was updated on September 28, 2026 and CB Pay on September 19, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*