KCB OTP vs Etica
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.
Etica
Manage investment funds regulated by the Capital Markets Authority of Kenya. Invest in retail funds with as little as KES 100 or high net worth funds. Initiate deposits, withdrawals, transfers, and utility payments.
- Self-onboarding in under 2 minutes
- Manage Collective Investment Schemes
- Invest in Money Market, Fixed Income, Shariah, and Wealth Funds
- Low minimum investment (KES 100)
- Initiate deposits, withdrawals, and transfers
- View and download statements instantly
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Enable client to self-onboard in less than 2 minutes and thereafter login to manage their investments funds under the Collective Investment Schemes regulated by the Capital Markets Authority of Kenya with choices from retail funds such as Money Market Fund / Fixed Income Fund / Shariah Fund with as low as KES 100/= (no lock-in periods for these), to high networth fund such as Wealth Fund with minimum from KES 1M ( with lock-in options of 6, 9 or 12 months). Client can also initiate transactions such as deposits, withdrawals, transfers (between funds or to another fund for self or another existing client) and utility payments. Statements can be viewed and / or downloaded from the app instantly 24/7.
Screenshots
Verdict
The clearest difference is review sentiment: Etica at 100% against KCB OTP's 0%. Etica also leads on rating (4.0 vs 1.8) and update cadence (every 2 weeks vs every 12 months). KCB OTP's advantage is iOS requirement (12.0 vs 15.1). 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.
Etica holds the better App Store score, 4.0 against 1.8. Both are backed by a comparable volume of ratings — 6 and 4 respectively. Written reviews point the same way: 0% of KCB OTP's written reviews are positive against 100% of Etica's.
KCB OTP ships an update every 12 months, Etica every 2 weeks. The most recent releases landed on October 22, 2026 and October 9, 2026 respectively.
| Parameter | KCB OTP | Etica |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (6 ratings) | 4.0 (4 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 6 — better | 4 |
| Update frequency | Every 12 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 21 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | KCB Kenya | Etica Capital |
Customer experience
KCB OTP
Etica
In-app purchases
KCB OTP
No in-app purchases
Etica
No in-app purchases
