# KCB OTP vs Etica

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.

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.

## The numbers

| Metric | KCB OTP | Etica |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (6 ratings)](https://appshunter.io/ios/app/kcb-otp/id1037798612/reviews) | **[4.0 (4 ratings)](https://appshunter.io/ios/app/etica/id6454935136/reviews)** |
| Number of ratings | **6** | 4 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 21 MB | 50 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [KCB Kenya](https://appshunter.io/developer/1037798611) | [Etica Capital](https://appshunter.io/developer/1699794292) |

## 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


### Etica

[App page](https://appshunter.io/ios/app/etica/id6454935136)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is KCB OTP free?

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

### Is Etica free?

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

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

Etica is rated higher. KCB OTP averages 1.8 out of 5 from 6 ratings, while Etica averages 4.0 from 4 ratings.

### Do KCB OTP or Etica have ads?

Neither KCB OTP nor Etica shows ads.

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

KCB OTP ships an update every 12 months, and Etica every 2 weeks. Most recently, KCB OTP was updated on October 22, 2026 and Etica on October 9, 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.*