# KCB iBank vs M

The clearest difference is rating: M at 4.0 against KCB iBank's 2.5. M also leads on iOS requirement (12.0 vs 14.0). KCB iBank's advantage is review sentiment (22% vs 0%) and ratings volume (22 vs 2). 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.

M holds the better App Store score, 4.0 against 2.5. That said, the two scores are not equally well evidenced: KCB iBank has 22 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 22% of KCB iBank's written reviews are positive against 0% of M's, so the app with the better star average is not the one people write more warmly about.

KCB iBank ships an update every 3 months, M every 2 months. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | KCB iBank | M |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (22 ratings)](https://appshunter.io/ios/app/kcb-ibank/id1519795843/reviews) | **[4.0 (2 ratings)](https://appshunter.io/ios/app/m-stima/id6472655198/reviews)** |
| Number of ratings | **22** | 2 |
| Positive reviews | **22.2% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 26 MB | 153 MB |
| Requires iOS | 14.0 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [KCB Kenya](https://appshunter.io/developer/1037798611) | [STIMA SAVINGS AND CREDIT CO-OPERATIVE SOCIETY](https://appshunter.io/developer/1717406218) |

## What reviewers say

### KCB iBank

[App page](https://appshunter.io/ios/app/kcb-ibank/id1519795843)

Access your banking needs online, including checking balances, viewing statements, and making various types of transfers. Manage your finances conveniently from your internet-connected device.

**Highlights:** View account balances, Access account statements, Make payments, Transfer funds locally, International bank transfers, Mobile wallet transfers

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

**In-app purchases:** none


### M

[App page](https://appshunter.io/ios/app/m-stima/id6472655198)

This mobile banking app offers a secure and convenient way for customers to manage their finances. It allows users to access accounts, send money, withdraw cash, transfer funds, and purchase airtime. Additionally, it provides access to instant loans and a channel to repay Sacco loans, along with viewing bank statements and loan viability.

**Highlights:** Account access, Money transfers, Cash withdrawal, Airtime purchase, Instant loans, Loan repayment, View bank statements

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

**In-app purchases:** none


## Frequently asked questions

### Is KCB iBank free?

KCB iBank 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, KCB iBank or M?

M is rated higher. KCB iBank averages 2.5 out of 5 from 22 ratings, while M averages 4.0 from 2 ratings.

### Do KCB iBank or M have ads?

Neither KCB iBank nor M shows ads.

### Which is updated more often, KCB iBank or M?

KCB iBank ships an update every 3 months, and M every 2 months. Most recently, KCB iBank was updated on October 24, 2026 and M on October 30, 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.*