MCOOP vs My
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MCOOP
This app provides mobile banking solutions for cooperative members. It allows users to manage savings, loans, and share statements, as well as make bill payments and mobile top-ups. Customers can create accounts using credentials provided by their registered cooperative.
- Manage savings statements
- View loan statements
- Access share statements
- Account to account transfers
- Mobile top-up
- Bill payments (landline, internet, TV)
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MCOOP allows co-operative to provide mobile baking solution for their customers. All you need to register your Co-operative with Zinob Inc. and download your apps. We will provide your Username and Password. Using same username and password your customer can created their own account in your co-operative. With this version of MCOOP registered customer of Co-operatives can manage following features. 1. Saving Statement. 2. Loan Statement. 3. Share Statement. 4. Account to Account Transfer. 5. Mobile Topup. 6. Landline Bill payment. 7. NEA Bill Payment. 8. Internet Bill Payment. 9. DISH HOME, and other TV Network bill payment.
My
Manage your mobile money transactions with ease. View your balance, send money, pay bills, and buy goods and services quickly. Secure login with biometrics and convenient access to frequent contacts and payment options.
- View M-PESA balance
- Biometric login
- Send money via QR, contacts, or favorites
- Pay bills easily
- Buy goods and services
- Withdraw cash
- Buy airtime
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Your Entire Digital Life in One Place My OneApp brings together everything you need—your M‑PESA balance, airtime, data, SMS, Bonga points, and essential services—right on your home screen. No switching between apps. No hassle. A Fresh New Experience Get instant visibility of what matters most from your M-PESA, bundle and even bonga balance Simpler Navigation Access your quick actions and frequent transactions faster Do More With Your Money Unlock more possibilities with M‑PESA – Invest, Borrow, Insure Connectivity Made Easy Buy airtime, data bundles, and home fibre quickly and conveniently Make Payments Faster Pay quickly and securely with Scan to Pay QR, AI Pay and NFC payments Care, Right at Your Fingertips Handle essential support requests directly from your phone
Screenshots
Verdict
The clearest difference is rating: MCOOP at 5.0 against My's 3.8. MCOOP also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). My's advantage is ratings volume (187 vs 2) and iOS requirement (13.0 vs 16.6). On price, update cadence, in-app purchases and device support 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.
MCOOP holds the better App Store score, 5.0 against 3.8. That said, the two scores are not equally well evidenced: My has 187 ratings behind it against 2, so its average is the more settled of the two.
MCOOP ships an update every 2 months, My monthly. The most recent releases landed on September 18, 2026 and September 23, 2026 respectively.
| Parameter | MCOOP | My |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 3.8 (187 ratings) |
| Positive reviews | — | 89.6% of reviews |
| Number of ratings | 2 | 187 — better |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 114 MB | 248 MB |
| Age rating | 4+ | 9+ |
| Developer | Zinob Inc. Pvt. Ltd. | Safaricom Limited |
Customer experience
MCOOP
My
Bugs and requests
MCOOP
Not enough reviews yet to summarise bugs or requests.
My
Reported bugs
3 issues- Incomplete or missing transaction details
- Issues with reversing or recovering sent payments
- Compatibility problems on certain devices or OS versions
Requested features
4 requests- Allow customization of transaction categories
- Improve transaction history and statement viewing
- Provide offline access or data-free usage
- Integrate with other financial apps and services
In-app purchases
MCOOP
No in-app purchases
My
No in-app purchases
