NatMobile vs Etica
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
NatMobile
This banking app offers a comprehensive suite of financial management tools. Easily pay bills, buy airtime, transfer funds, and conduct mVisa and Pesalink transactions. Manage expenses and school fees all within a secure and revamped interface.
- Bill payments
- Airtime purchases
- Expense management
- MPESA transfers
- School fee payments
- Account transfers
- mVisa transactions
- Pesalink transactions
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We are excited to introduce the revamped NatMobile App. Experience a new way of banking: - Pay for Bills - Buy Airtime. - Manage your expenses - Send to MPESA - Pay School Fees - Transfer between accounts. - Perform mVisa Transactions. - Perform Pesalink Transactions
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 rating: NatMobile at 5.0 against Etica's 4.0. NatMobile also leads on iOS requirement (12.0 vs 15.1). Etica's advantage is update cadence (every 2 weeks vs every 3 months) and ratings volume (4 vs 1). On price, ads, in-app purchases and monetization model 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.
NatMobile holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 1 and 4 respectively.
NatMobile ships an update every 3 months, Etica every 2 weeks. The most recent releases landed on October 2, 2026 and October 9, 2026 respectively.
| Parameter | NatMobile | Etica |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.0 (4 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 4 — better |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 29 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | National Bank of Kenya Limited | Etica Capital |
Customer experience
NatMobile
Etica
In-app purchases
NatMobile
No in-app purchases
Etica
No in-app purchases
