M vs Etica
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
M
Access your Kenya Police DT Sacco bank account conveniently from your mobile device. Open savings accounts, apply for loans, and pay bills from anywhere. Enjoy fast, secure, and user-friendly banking services on the go.
- Fast account opening
- Up-to-date account information
- Local and international money transfers
- Instant bill payments
- Loan applications
- USSD access (*653#)
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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.
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: M at 5.0 against Etica's 4.0. Etica's advantage is update cadence (every 2 weeks vs every 7 months) and ratings volume (4 vs 1). On price, ads, in-app purchases and monetization model 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.
M holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 1 and 4 respectively.
M ships an update every 7 months, Etica every 2 weeks. The most recent releases landed on October 27, 2026 and October 9, 2026 respectively.
| Parameter | M | Etica |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.0 (4 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 4 — better |
| Update frequency | Every 7 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15 — better | 15.1 |
| Further details — not scored | ||
| Size | 34 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | Kenya Police Sacco Ltd | Etica Capital |
Customer experience
M
Etica
In-app purchases
M
No in-app purchases
Etica
No in-app purchases






