My vs DESACCO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- View M-PESA balance
- Biometric login
- Send money via QR, contacts, or favorites
- Pay bills easily
- Buy goods and services
- Withdraw cash
- Buy airtime
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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
DESACCO
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This Mobile Application enables SACCO members to access the following services: Transaction Services - Withdraw Money (M-PESA/ATM/Agent) - Buy Airtime - Pay Bill (Electricity, Water etc) - Funds Transfer to SACCO Account - Funds Transfer to Bank Account - QR Transaction My Account Service -Account balance -Get Detailed Account Statement -Change PIN Loans -Check Loan Limit -Apply for Loan -Loan Balance -Get Detailed Loan Statement -My Loan Guarantors: Get to know the members who have guaranteed your loans -Loans Guaranteed: Get to know the members you have guaranteed loans Contact US -Get contact information of your SACCO.
Screenshots
Verdict
The clearest difference is ads: DESACCO at none against My's shown. My's advantage is update cadence (monthly vs every 39 months). On price, in-app purchases, device support and iOS requirement 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.
My ships an update monthly, DESACCO every 39 months. The most recent releases landed on November 3, 2026 and October 7, 2026 respectively.
| Parameter | My | DESACCO |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.3K ratings) — better | — |
| Positive reviews | 89.6% of reviews | — |
| Number of ratings | 1.3K — better | — |
| Update frequency | Monthly — better | Every 39 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 239 MB | 50 MB |
| Age rating | 9+ | 17+ |
| Developer | Safaricom Limited | DEFENCE SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED |
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
DESACCO
Not enough reviews yet to summarise bugs or requests.
In-app purchases
My
No in-app purchases
DESACCO
No in-app purchases
