MCOOP vs Etica
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.
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: MCOOP at 5.0 against Etica's 4.0. Etica's advantage is update cadence (every 2 weeks vs every 2 months). On price, ratings volume, 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 4.0. Both are backed by a comparable volume of ratings — 2 and 4 respectively.
MCOOP ships an update every 2 months, Etica every 2 weeks. The most recent releases landed on October 5, 2026 and October 9, 2026 respectively.
| Parameter | MCOOP | Etica |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 4.0 (4 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 2 | 4 — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 114 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | Zinob Inc. Pvt. Ltd. | Etica Capital |
Customer experience
MCOOP
Etica
In-app purchases
MCOOP
No in-app purchases
Etica
No in-app purchases
