KCB OTP vs DhowCSD
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
KCB OTP
This app transforms your phone into a secure token for internet banking transactions. It eliminates the need to wait for SMS or email confirmations, streamlining your online banking experience.
- Phone as a token
- Instant transaction confirmation
- Eliminates SMS/email delays
- Secure internet banking
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KCB I-TAN converts your phone into a token. No more waiting for SMS and Email tokens for your internet banking transactions.
DhowCSD
Manage your Central Bank of Kenya investment account directly from your mobile device. Participate in securities auctions, view results, and access portfolio statements. Initiate secondary market and pledge instructions securely and efficiently.
- Open and manage investment accounts
- Participate in securities auctions
- View auction results and payment details
- Access corporate actions
- View portfolio statements
- Initiate secondary market instructions
- Initiate pledge instructions
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Welcome to CBK DhowCSD. You can now open and manage a CSD investment account at the Central Bank of Kenya allowing you to participate in securities auctions, view auction results and payment details, view upcoming corporate actions, access updated portfolio statements and initiate secondary market and pledge instructions via the app in a convenient, simple, efficient and secure manner.
Screenshots
Verdict
The clearest difference is review sentiment: DhowCSD at 50% against KCB OTP's 0%. DhowCSD also leads on rating (3.6 vs 1.8) and update cadence (every 3 months vs every 12 months). KCB OTP's advantage is iOS requirement (12.0 vs 14.0). On price, ratings volume, ads and in-app purchases 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.
DhowCSD holds the better App Store score, 3.6 against 1.8. Both are backed by a comparable volume of ratings — 6 and 7 respectively. Written reviews point the same way: 0% of KCB OTP's written reviews are positive against 50% of DhowCSD's.
KCB OTP ships an update every 12 months, DhowCSD every 3 months. The most recent releases landed on October 6, 2026 and September 30, 2026 respectively.
| Parameter | KCB OTP | DhowCSD |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (6 ratings) | 3.6 (7 ratings) — better |
| Positive reviews | 0.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 6 | 7 — better |
| Update frequency | Every 12 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 21 MB | 36 MB |
| Age rating | 4+ | 17+ |
| Developer | KCB Kenya | Central Bank of Kenya |
Customer experience
KCB OTP
DhowCSD
In-app purchases
KCB OTP
No in-app purchases
DhowCSD
No in-app purchases
