# Mco-opCash — Mcoopcash Application

> Mobile banking app for Co-operative Bank of Kenya customers. (iPhone/iPad app by THE CO-OPERATIVE BANK OF KENYA LIMITED.)

- Source: https://appshunter.io/ios/app/mco-opcash/id1518936555 (this page in markdown: same URL + `.md`)
- Developer: [THE CO-OPERATIVE BANK OF KENYA LIMITED](https://appshunter.io/developer/889024519)
- Category: Finance, Business
- Price: Free
- Rating: 4.51/5 from 530 App Store ratings · 46 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 87 MB
- Languages: English
- Released: 2021-02-27
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/mco-opcash/id1518936555/reviews.md

## What is Mco?

Mco-op Cash App enables Co-operative Bank of Kenya customers access banking services on an internet enabled device

With Mco-op Cash App, you can:

**Manage your Account(s)**
- View your account details
- View your account balances 
- View your transaction history and download statement 
- Manage your OTP delivery method
- Change your PIN and/or Password
- View your account cashflow
- E-statement subscription

**Manage your Card(s)**
- View your cards 
- View your card balances 
- Pay to your credit card with ease

**Manage your Loan(s)**
- Get mobile loans*
- View your loan accounts 
- View your loan balances 

**Transfer Funds**
- Send money to Co-operative Bank accounts
- Send money to M-Pesa
- Send money to other banks via Pesalink/RTGS
- Deposit money to your account from M-Pesa

**Pay bills**
- Buy Safaricom and Airtel Airtime
- Buy KPLC Tokens and Pay KPLC Post Paid bill
- Pay Nairobi Water
- PayTV - GoTV, DSTV, ZUKU, StarTimes
- Pay to M-Pesa Tills and PayBills
- Pay School Fees
- Pay Rent
- Pay for Safaricom Home Fibre
- Pay for Zuku Internet

## Key features

- Account management
- Card management
- Loan management
- Fund transfers
- Bill payments
- Airtime purchase
- E-statement subscription

## What do users think of Mco?

Overall sentiment: negative

**Pros**

- 🚀 Fast and efficient app
- 🔒 Secure authentication
- 👍 User-friendly interface
- 💡 Innovative features
- 🌍 Useful for international users

**Cons**

- 🐛 Frequent app crashes and bugs
- ⚠️ Update issues causing login problems
- 🕰️ Slow loading times
- 🤖 Unreliable customer support

**Commonly reported bugs**

- Login screen freezes
- Incompatible with older devices
- Transactions not showing correctly
- Repeated update prompts despite updating

**Most requested features**

- Improve app stability and performance
- Enhance customer support channels
- Provide clear update instructions
- Implement biometric login options

## Recent user reviews (10 of 46)

All indexed reviews: https://appshunter.io/ios/app/mco-opcash/id1518936555/reviews.md

### 1/5 — Logging inn

*2025-06-09*

The app is useless you can’t login,,keep asking to update .please fix it or just leave the way it was

**Developer response:** Hello. We have a challenge on IOS, however our team is working on it. Meanwhile, please use the USSD or web link https://retail-onlinebanking.co-opbank.co.ke/iportalweb/iRetail@1 to access the services. Thank you. ^RG

### 1/5 — Messed update

*2025-06-09*

Update isn’t allowing you to login despite updating. It keeps telling you to update and when you opt to do it later, it hangs.

**Developer response:** Hello. We have a challenge on IOS, however our team is working on it. Meanwhile, please use the USSD or web link https://retail-onlinebanking.co-opbank.co.ke/iportalweb/iRetail@1 to access the services. Thank you. ^RG

### 2/5 — Can’t login

*2025-06-09*

When I open the app I get an update alert, after clicking update now it takes me to App Store but I get the open button. If I open again and click update later and enter the pin, I get a please wait that’s indefinite.

**Developer response:** Hello. We have a challenge on IOS, however our team is working on it. Meanwhile, please use the USSD or web link https://retail-onlinebanking.co-opbank.co.ke/iportalweb/iRetail@1 to access the services. Thank you. ^RG

### 3/5 — Freezing

*2025-06-07*

The update messed up the app on IOS. Keeps asking for you to update despite downloading the update. Can’t even allow you to login whatsoever.

**Developer response:** Hello. We have a challenge on IOS, however our team is working on it. Meanwhile, please use the USSD or web link https://retail-onlinebanking.co-opbank.co.ke/iportalweb/iRetail@1 to access the services. Thank you. ^RG

### 1/5 — Bad

*2025-06-06, version 5.3.37*

Poor

### 5/5 — Update problems

*2025-06-06*

None

**Developer response:** Hello. We have a challenge on IOS, however our team is working on it. Meanwhile, please use the USSD or web link https://retail-onlinebanking.co-opbank.co.ke/iportalweb/iRetail@1 to access the services. Thank you. ^RG

### 1/5 — Useless

*2025-05-29, version 5.3.34*

Don’t waste your time absolutely useless app

### 1/5 — Horrible

*2025-03-16, version 5.3.31*

One star cause I can’t give zero. Using this app abroad will send you to a mental institution. The customer care with their “ visit our nearest branch” excuses - with no remorse is frustrating. Make it easy for us to talk to a person online. Stop asking us to visit nearest branches - when you have none here. 
Am frustrated to the bone

### 1/5 — Useless app

*2025-03-10, version 5.3.29*

This is the most useless app. How can a whole commercial bank be so lethargic with a simple thing as maintaining an app that is supposed to serve its customers.

### 1/5 — App Not working

*2024-10-02, version 5.3.22*

App not working and transaction can’t be processed via app and *667# it’s frustrating

## Frequently asked questions about Mco

### What can I do with the Mco-opCash app?

The app allows Co-operative Bank of Kenya customers to manage their accounts, view balances and transaction history, manage cards, apply for and view loans, transfer funds to various destinations, and pay bills for utilities, subscriptions, and school fees.

### Is the Mco-opCash app free to use?

Yes, the application is free to download and use. There are no upfront costs associated with accessing the banking services provided through the app.

### What kind of transactions can I perform?

You can perform a wide range of transactions including viewing account details and cashflow, downloading statements, paying credit card bills, getting mobile loans, sending money to Co-operative Bank accounts, M-Pesa, and other banks via Pesalink/RTGS. You can also deposit money from M-Pesa and pay for various services like airtime, electricity tokens, water bills, DStv/GoTV, and school fees.

### What are the compatibility requirements for the app?

The app is designed to be used on an internet-enabled device, implying compatibility with smartphones and tablets that have internet connectivity.

### How can I manage my loans through the app?

The app allows you to get mobile loans, view your existing loan accounts, and check your loan balances. This provides convenient access to loan management features directly from your mobile device.

## Version history (last 5 releases)

### 5.3.55 — 2025-10-29

- FX and deal code transaction fixes
- General app improvements

### 5.3.54 — 2025-10-24

Feature enhancements

### 5.3.53 — 2025-10-24

Feature enhancement

### 5.3.50 — 2025-09-10

UI/UX enhancements

### 5.3.49 — 2025-07-22

UI/UX enhancements

## Apps similar to Mco

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Waya - Mobile Banking](https://appshunter.io/ios/app/waya-mobile-banking/id6445921373) | 3.5 (11) | Free | Finance |
| [M-PESA for Business](https://appshunter.io/ios/app/m-pesa-for-business/id1496783760) | 4.5 (142) | Free | Finance |
| [Stanbic Bank Kenya](https://appshunter.io/ios/app/stanbic-bank-kenya/id1012923421) | 4.7 (298) | Free | Finance |
| [My-OneApp](https://appshunter.io/ios/app/my-oneapp/id1496784664) | 2.7 (46) | Free | Finance |
| [DhowCSD](https://appshunter.io/ios/app/dhowcsd/id6444705699) | 3.6 (7) | Free | Finance |
| [Absa Banking](https://appshunter.io/ios/app/absa-banking/id1085620596) | 4.7 (5,029) | Free | Finance |

## More apps by THE CO-OPERATIVE BANK OF KENYA LIMITED

- [KSL TRADER](https://appshunter.io/ios/app/ksl-trader/id6444957743)
- [CoopOnline](https://appshunter.io/ios/app/cooponline/id6474454676)
- [YEA! Co-op Bank](https://appshunter.io/ios/app/yea-co-op-bank/id6569249271)
- [Co-op Bank App](https://appshunter.io/ios/app/co-op-bank-app/id6742747415)

All apps by THE CO-OPERATIVE BANK OF KENYA LIMITED: https://appshunter.io/developer/889024519

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*