# Excel Smart vs CIT Smart Mobile App

The clearest difference is rating: CIT Smart Mobile App at 5.0 against Excel Smart's 3.4. Excel Smart's advantage is update cadence (every 4 months vs every 26 months) and ratings volume (5 vs 1). On price, in-app purchases, monetization model and iOS requirement there is nothing between them.

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

CIT Smart Mobile App holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: Excel Smart has 5 ratings behind it against 1, so its average is the more settled of the two.

Excel Smart ships an update every 4 months, CIT Smart Mobile App every 26 months. The most recent releases landed on October 9, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Excel Smart | CIT Smart Mobile App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (5 ratings)](https://appshunter.io/ios/app/excel-smart/id921487474/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/cit-smart-mobile-app/id6448749422/reviews)** |
| Number of ratings | **5** | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | — |
| Update frequency | **Every 4 months** | Every 26 months |
| Monetization | Free | Free |
| Size | 172 MB | 12 MB |
| Requires iOS | 12.4 | 12.4 |
| Devices | **iPhone, iPod** | — |
| Age rating | 17+ | 4+ |
| Developer | [Excel Development Bank Ltd](https://appshunter.io/developer/1440581410) | [Citizen Investment Trust](https://appshunter.io/developer/1686092811) |

## What reviewers say

### Excel Smart

[App page](https://appshunter.io/ios/app/excel-smart/id921487474)

Manage your bank account on the go with this secure mobile banking app. Perform bill payments, fund transfers, and instant QR code payments. Enjoy convenient banking anytime, anywhere without visiting a branch.

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

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

**In-app purchases:** none


### CIT Smart Mobile App

[App page](https://appshunter.io/ios/app/cit-smart-mobile-app/id6448749422)

Access your financial accounts quickly and securely. View balances, statements, and locate branches with navigation. Manage various insurance and investment funds.

**Highlights:** View account balances, Access mini and full statements, Locate branches with navigation, View insurance fund statements, Manage investment fund statements

**In-app purchases:** none


## Frequently asked questions

### Is Excel Smart free?

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

### Is CIT Smart Mobile App free?

CIT Smart Mobile App is free to download, with no in-app purchases.

### Which has better reviews, Excel Smart or CIT Smart Mobile App?

CIT Smart Mobile App is rated higher. Excel Smart averages 3.4 out of 5 from 5 ratings, while CIT Smart Mobile App averages 5.0 from 1 ratings.

### Which is updated more often, Excel Smart or CIT Smart Mobile App?

Excel Smart ships an update every 4 months, and CIT Smart Mobile App every 26 months. Most recently, Excel Smart was updated on October 9, 2026 and CIT Smart Mobile App on October 5, 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.*