# HFCB vs Etica

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.

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.

## The numbers

| Metric | HFCB | Etica |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (10 ratings)](https://appshunter.io/ios/app/hfcb/id1373152794/reviews) | **[4.0 (4 ratings)](https://appshunter.io/ios/app/etica/id6454935136/reviews)** |
| Number of ratings | **10** | 4 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free | Free |
| Size | 127 MB | 50 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [HFC Limited](https://appshunter.io/developer/1373152793) | [Etica Capital](https://appshunter.io/developer/1699794292) |

## What reviewers say

### HFCB

[App page](https://appshunter.io/ios/app/hfcb/id1373152794)

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.

**Highlights:** Account management, Cash transfers, Bill payments, Airtime purchases, Expense tracking, On-the-go access

**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 HFCB free?

HFCB 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, HFCB or Etica?

Etica is rated higher. HFCB averages 2.6 out of 5 from 10 ratings, while Etica averages 4.0 from 4 ratings.

### Do HFCB or Etica have ads?

Neither HFCB nor Etica shows ads.

### Which is updated more often, HFCB or Etica?

HFCB ships an update every 2 weeks, and Etica every 2 weeks. Most recently, HFCB was updated on September 26, 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.*