# MCOOP vs DhowCSD

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.

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.

## The numbers

| Metric | MCOOP | DhowCSD |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/mcoop/id1457937874/reviews)** | [3.6 (7 ratings)](https://appshunter.io/ios/app/dhowcsd/id6444705699/reviews) |
| Number of ratings | 2 | **7** |
| Positive reviews | — | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | Free |
| Size | 114 MB | 36 MB |
| Requires iOS | 16.6 | **14.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Zinob Inc. Pvt. Ltd.](https://appshunter.io/developer/1457937873) | [Central Bank of Kenya](https://appshunter.io/developer/1656260872) |

## 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


### DhowCSD

[App page](https://appshunter.io/ios/app/dhowcsd/id6444705699)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is MCOOP free?

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

### Is DhowCSD free?

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

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

MCOOP is rated higher. MCOOP averages 5.0 out of 5 from 2 ratings, while DhowCSD averages 3.6 from 7 ratings.

### Do MCOOP or DhowCSD have ads?

Neither MCOOP nor DhowCSD shows ads.

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

MCOOP ships an update every 2 months, and DhowCSD every 3 months. Most recently, MCOOP was updated on September 18, 2026 and DhowCSD on June 11, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*