# SC Mobile Kenya vs DhowCSD

The clearest difference is rating: SC Mobile Kenya at 4.8 against DhowCSD's 3.6. SC Mobile Kenya also leads on ratings volume (725 vs 7) and update cadence (every 6 weeks vs every 3 months). DhowCSD's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, review sentiment, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SC Mobile Kenya holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: SC Mobile Kenya has 725 ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 44% of SC Mobile Kenya's written reviews are positive against 50% of DhowCSD's, so the app with the better star average is not the one people write more warmly about.

SC Mobile Kenya ships an update every 6 weeks, DhowCSD every 3 months. Both last shipped on September 30, 2026.

## The numbers

| Metric | SC Mobile Kenya | DhowCSD |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (725 ratings)](https://appshunter.io/ios/app/sc-mobile-kenya/id1114731584/reviews)** | [3.6 (7 ratings)](https://appshunter.io/ios/app/dhowcsd/id6444705699/reviews) |
| Number of ratings | **725** | 7 |
| Positive reviews | 44.1% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 6 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 154 MB | 36 MB |
| Requires iOS | **13.0** | 14.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Standard Chartered Bank](https://appshunter.io/developer/367337301) | [Central Bank of Kenya](https://appshunter.io/developer/1656260872) |

## What reviewers say

### SC Mobile Kenya

[App page](https://appshunter.io/ios/app/sc-mobile-kenya/id1114731584)

Manage your finances and perform banking transactions from your mobile device. Open accounts, transfer funds, pay bills, and invest in wealth management products. Access over 70 banking services conveniently from anywhere.

**Highlights:** Open accounts in minutes, Save and resume applications, View and manage finances, Transfer funds locally and internationally, Pay utility bills and KRA taxes, Buy, sell, and track investment portfolios, Access insurance services

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Seamless and convenient user experience
- 📱 Access to all accounts at fingertips
- 🔒 Strong security and privacy features
- 💼 Wide range of transaction capabilities
- ⏰ Continuous app improvements over time

**What reviewers complain about**

- 🐛 Frequent app crashes and freezing
- ⏱️ Slow and clunky performance
- ❌ Unreliable login functionality
- 📬 OTP delivery delays and timeouts
- 📺 Intrusive advertisements cluttering interface

**Reported bugs**

- App crashes on startup or requires non-existent updates
- M-PESA payment failures
- Login errors occurring frequently
- Menu button inaccessible on iPhone 12 Pro, 13 Pro, and 14 Pro Max
- Joint account access not visible in mobile app

**Requested features**

- Credit card payment functionality on mobile app
- Ability to edit saved beneficiary details
- Copy-paste support in transfer reference field
- Better error messaging for transaction limits
- Touch ID/biometric authentication support


### 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 SC Mobile Kenya free?

SC Mobile Kenya 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, SC Mobile Kenya or DhowCSD?

SC Mobile Kenya is rated higher. SC Mobile Kenya averages 4.8 out of 5 from 725 ratings, while DhowCSD averages 3.6 from 7 ratings.

### Do SC Mobile Kenya or DhowCSD have ads?

SC Mobile Kenya shows ads; DhowCSD does not.

### Which is updated more often, SC Mobile Kenya or DhowCSD?

SC Mobile Kenya ships an update every 6 weeks, and DhowCSD every 3 months. Most recently, SC Mobile Kenya was updated on September 30, 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.*