# SC Mobile Kenya vs Etica

The clearest difference is review sentiment: Etica at 100% against SC Mobile Kenya's 44%. Etica also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). SC Mobile Kenya's advantage is rating (4.8 vs 4.0) and ratings volume (760 vs 4). On price, 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 4.0. That said, the two scores are not equally well evidenced: SC Mobile Kenya has 760 ratings behind it against 4, 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 100% of Etica'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, Etica every 2 weeks. The most recent releases landed on November 1, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | SC Mobile Kenya | Etica |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (760 ratings)](https://appshunter.io/ios/app/sc-mobile-kenya/id1114731584/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/etica/id6454935136/reviews) |
| Number of ratings | **760** | 4 |
| Positive reviews | 44.1% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 154 MB | 50 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Standard Chartered Bank](https://appshunter.io/developer/367337301) | [Etica Capital](https://appshunter.io/developer/1699794292) |

## 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


### 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 SC Mobile Kenya free?

SC Mobile Kenya 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, SC Mobile Kenya or Etica?

SC Mobile Kenya is rated higher. SC Mobile Kenya averages 4.8 out of 5 from 760 ratings, while Etica averages 4.0 from 4 ratings.

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

SC Mobile Kenya shows ads; Etica does not.

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

SC Mobile Kenya ships an update every 6 weeks, and Etica every 2 weeks. Most recently, SC Mobile Kenya was updated on November 1, 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.*