# MCOOP vs Etica

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.

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.

## The numbers

| Metric | MCOOP | Etica |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/mcoop/id1457937874/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/etica/id6454935136/reviews) |
| Number of ratings | 2 | **4** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 114 MB | 50 MB |
| Requires iOS | 16.6 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Zinob Inc. Pvt. Ltd.](https://appshunter.io/developer/1457937873) | [Etica Capital](https://appshunter.io/developer/1699794292) |

## 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


### Etica

[App page](https://appshunter.io/ios/app/etica/id6454935136)

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.

**Highlights:** 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

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

**In-app purchases:** none


## Frequently asked questions

### Is MCOOP free?

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

### Is Etica free?

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

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

MCOOP is rated higher. MCOOP averages 5.0 out of 5 from 2 ratings, while Etica averages 4.0 from 4 ratings.

### Do MCOOP or Etica have ads?

Neither MCOOP nor Etica shows ads.

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

MCOOP ships an update every 2 months, and Etica every 2 weeks. Most recently, MCOOP was updated on October 5, 2026 and Etica on October 9, 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.*