# KCB OTP vs DhowCSD

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.

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.

## The numbers

| Metric | KCB OTP | DhowCSD |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (6 ratings)](https://appshunter.io/ios/app/kcb-otp/id1037798612/reviews) | **[3.6 (7 ratings)](https://appshunter.io/ios/app/dhowcsd/id6444705699/reviews)** |
| Number of ratings | 6 | **7** |
| Positive reviews | 0.0% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 21 MB | 36 MB |
| Requires iOS | **12.0** | 14.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [KCB Kenya](https://appshunter.io/developer/1037798611) | [Central Bank of Kenya](https://appshunter.io/developer/1656260872) |

## What reviewers say

### KCB OTP

[App page](https://appshunter.io/ios/app/kcb-otp/id1037798612)

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.

**Highlights:** Phone as a token, Instant transaction confirmation, Eliminates SMS/email delays, Secure internet banking

**Features:** macOS Compatibility

**In-app purchases:** none


### DhowCSD

[App page](https://appshunter.io/ios/app/dhowcsd/id6444705699)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is KCB OTP free?

KCB OTP is free to download, with no in-app purchases.

### Is DhowCSD free?

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

### Which has better reviews, KCB OTP or DhowCSD?

DhowCSD is rated higher. KCB OTP averages 1.8 out of 5 from 6 ratings, while DhowCSD averages 3.6 from 7 ratings.

### Do KCB OTP or DhowCSD have ads?

Neither KCB OTP nor DhowCSD shows ads.

### Which is updated more often, KCB OTP or DhowCSD?

KCB OTP ships an update every 12 months, and DhowCSD every 3 months. Most recently, KCB OTP was updated on October 6, 2026 and DhowCSD on September 30, 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.*