HFCB vs Etica
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
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 HFCB's 0%. Etica also leads on rating (4.0 vs 2.6). On price, ratings volume, update cadence and ads 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 2.6. Both are backed by a comparable volume of ratings — 10 and 4 respectively. Written reviews point the same way: 0% of HFCB's written reviews are positive against 100% of Etica's.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on September 26, 2026 and October 9, 2026 respectively.
| Parameter | HFCB | Etica |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (10 ratings) | 4.0 (4 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 10 — better | 4 |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 127 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | HFC Limited | Etica Capital |
Customer experience
HFCB
Etica
In-app purchases
HFCB
No in-app purchases
Etica
No in-app purchases
