Comparison

My vs M

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

My

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
Read full description

Your Entire Digital Life in One Place My OneApp brings together everything you need—your M‑PESA balance, airtime, data, SMS, Bonga points, and essential services—right on your home screen. No switching between apps. No hassle. A Fresh New Experience Get instant visibility of what matters most from your M-PESA, bundle and even bonga balance Simpler Navigation Access your quick actions and frequent transactions faster Do More With Your Money Unlock more possibilities with M‑PESA – Invest, Borrow, Insure Connectivity Made Easy Buy airtime, data bundles, and home fibre quickly and conveniently Make Payments Faster Pay quickly and securely with Scan to Pay QR, AI Pay and NFC payments Care, Right at Your Fingertips Handle essential support requests directly from your phone

About

M

Features
Read full description

M-TAWI is Kenya Police DT Sacco mobile banking application which allows you to access your bank account through your mobile phone wherever you go. You can now open a savings account, get a loan and pay bills all at the comfort of your home. Discover friendly and convenient banking today through USSD *653# or through downloading the app. At Kenya Police DT Sacco we understand that we all live busy lives hence we have designed state of the art mobile banking app that allows you to pocket your bank, taking it with you wherever you go. You get access to:- - Fast account opening solution where you open an account in lightning speed - Access up to date information on your accounts - Enjoy the convenience of transferring money to other accounts locally and internationally anywhere, anytime. - View your outstanding bill amount and make instant bill payments using your bank account and so much more. - Request different types of loans. The app allows you convenience on the go and is perfect for your day to day banking needs solutions.

Screenshots

My4 screens
M4 screens

Verdict

The call

The clearest difference is ads: M at none against My's shown. M also leads on rating (5.0 vs 4.6). My's advantage is update cadence (monthly vs every 7 months) and ratings volume (1.2K vs 1). On price, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

M holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: My has 1.2K ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

My ships an update monthly, M every 7 months. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
My versus M: the parameters behind the verdict, then further details
ParameterMyM
PriceFreeFree
Rating4.6 (1.2K ratings)5.0 (1 ratings) — better
Positive reviews89.6% of reviews—
Number of ratings1.2K — better1
Update frequencyMonthly — betterEvery 7 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15
Further details — not scored
Size240 MB34 MB
Age rating9+4+
DeveloperSafaricom LimitedKenya Police Sacco Ltd

Customer experience

My

All ratings1,013 ratings
Positive88.8%
Neutral3.7%
Negative7.5%
Written reviews1,103 reviews
Positive89.6%
Neutral3.5%
Negative6.9%

M

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

My

Reported bugs

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

Requested features

4 requests
  • 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

M

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

My

No in-app purchases

None

M

No in-app purchases

Questions

Is My free?
My is free to download, with no in-app purchases.
Is M free?
M is free to download, with no in-app purchases.
Which has better reviews, My or M?
M is rated higher. My averages 4.6 out of 5 from 1.2K ratings, while M averages 5.0 from 1 ratings.
Do My or M have ads?
My shows ads; M does not.
Which is updated more often, My or M?
My ships an update monthly, and M every 7 months. Most recently, My was updated on October 26, 2026 and M on October 24, 2026.

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