HFCB vs DhowCSD
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HFCB
Manage your finances on the go with this banking app. It allows you to control your account, transfer funds, pay bills, and track expenses from anywhere. Experience a new way to handle your money anytime, anywhere.
- Account management
- Cash transfers
- Bill payments
- Airtime purchases
- Expense tracking
- On-the-go access
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HF Whizz is a new banking experience that gives you control and access over your finances anywhere anytime. Enjoy the freedom to manage your account, transfer cash, pay bills, buy airtime, track your expenses and do so much more on the go. Whizz it any time any place. Powered by HFC
DhowCSD
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.
- 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
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Welcome to CBK DhowCSD. You can now open and manage a CSD investment account at the Central Bank of Kenya allowing you to participate in securities auctions, view auction results and payment details, view upcoming corporate actions, access updated portfolio statements and initiate secondary market and pledge instructions via the app in a convenient, simple, efficient and secure manner.
Screenshots
Verdict
The clearest difference is review sentiment: DhowCSD at 50% against HFCB's 0%. DhowCSD also leads on rating (3.6 vs 2.6). HFCB's advantage is update cadence (every 2 weeks vs every 3 months). 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.
DhowCSD holds the better App Store score, 3.6 against 2.6. Both are backed by a comparable volume of ratings — 10 and 7 respectively. Written reviews point the same way: 0% of HFCB's written reviews are positive against 50% of DhowCSD's.
HFCB ships an update every 2 weeks, DhowCSD every 3 months. The most recent releases landed on September 26, 2026 and September 30, 2026 respectively.
| Parameter | HFCB | DhowCSD |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (10 ratings) | 3.6 (7 ratings) — better |
| Positive reviews | 0.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 10 — better | 7 |
| Update frequency | Every 2 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 127 MB | 36 MB |
| Age rating | 4+ | 17+ |
| Developer | HFC Limited | Central Bank of Kenya |
Customer experience
HFCB
DhowCSD
In-app purchases
HFCB
No in-app purchases
DhowCSD
No in-app purchases
