MCOOP vs DhowCSD
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.
DhowCSD
Manage your Central Bank of Kenya investment account directly from your mobile device. Participate in securities auctions, view results, and access portfolio statements. Initiate secondary market and pledge instructions securely and efficiently.
- Open and manage investment accounts
- Participate in securities auctions
- View auction results and payment details
- Access corporate actions
- View portfolio statements
- Initiate secondary market instructions
- Initiate pledge instructions
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Welcome to CBK DhowCSD. You can now open and manage a CSD investment account at the Central Bank of Kenya allowing you to participate in securities auctions, view auction results and payment details, view upcoming corporate actions, access updated portfolio statements and initiate secondary market and pledge instructions via the app in a convenient, simple, efficient and secure manner.
Screenshots
Verdict
The clearest difference is rating: MCOOP at 5.0 against DhowCSD's 3.6. DhowCSD's advantage is ratings volume (7 vs 2) and iOS requirement (14.0 vs 16.6). On price, update cadence, ads and in-app purchases 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 3.6. Both are backed by a comparable volume of ratings — 2 and 7 respectively.
MCOOP ships an update every 2 months, DhowCSD every 3 months. The most recent releases landed on September 18, 2026 and June 11, 2026 respectively.
| Parameter | MCOOP | DhowCSD |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 3.6 (7 ratings) |
| Positive reviews | — | 50.0% of reviews |
| Number of ratings | 2 | 7 — better |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 14.0 — better |
| Further details — not scored | ||
| Size | 114 MB | 36 MB |
| Age rating | 4+ | 17+ |
| Developer | Zinob Inc. Pvt. Ltd. | Central Bank of Kenya |
Customer experience
MCOOP
DhowCSD
In-app purchases
MCOOP
No in-app purchases
DhowCSD
No in-app purchases
