# MCOOP vs My

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.

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.

## The numbers

| Metric | MCOOP | My |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/mcoop/id1457937874/reviews)** | [3.8 (187 ratings)](https://appshunter.io/ios/app/my-oneapp/id1496784664/reviews) |
| Number of ratings | 2 | **187** |
| Positive reviews | — | 89.6% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 114 MB | 248 MB |
| Requires iOS | 16.6 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Zinob Inc. Pvt. Ltd.](https://appshunter.io/developer/1457937873) | [Safaricom Limited](https://appshunter.io/developer/1089092649) |

## What reviewers say

### MCOOP

[App page](https://appshunter.io/ios/app/mcoop/id1457937874)

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.

**Highlights:** Manage savings statements, View loan statements, Access share statements, Account to account transfers, Mobile top-up, Bill payments (landline, internet, TV)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### My

[App page](https://appshunter.io/ios/app/my-oneapp/id1496784664)

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.

**Highlights:** View M-PESA balance, Biometric login, Send money via QR, contacts, or favorites, Pay bills easily, Buy goods and services, Withdraw cash, Buy airtime

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient and easy to use
- 🚀 Reliable and efficient transactions
- 🚀 Accessible from anywhere with internet
- 🚀 Seamless integration with contacts and payment methods
- 🚀 Helpful for managing finances while abroad

**What reviewers complain about**

- 🐛 Occasional app crashes or freezes
- 🐛 Delayed transaction history updates
- 🐛 Inability to view full transaction history
- 🐛 Difficulty accessing the app while roaming or using WiFi
- 🐛 Inconsistent performance across devices

**Reported bugs**

- Incomplete or missing transaction details
- Issues with reversing or recovering sent payments
- Compatibility problems on certain devices or OS versions

**Requested features**

- 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


## Frequently asked questions

### Is MCOOP free?

MCOOP is free to download, with no in-app purchases.

### Is My free?

My is free to download, with no in-app purchases.

### Which has better reviews, MCOOP or My?

MCOOP is rated higher. MCOOP averages 5.0 out of 5 from 2 ratings, while My averages 3.8 from 187 ratings.

### Do MCOOP or My have ads?

My shows ads; MCOOP does not.

### Which is updated more often, MCOOP or My?

MCOOP ships an update every 2 months, and My monthly. Most recently, MCOOP was updated on September 18, 2026 and My on September 23, 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.*