Comparison

M vs Etica

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

Head to head
About

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.

Highlights
  • Fast account opening
  • Up-to-date account information
  • Local and international money transfers
  • Instant bill payments
  • Loan applications
  • USSD access (*653#)
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.

About

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.

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
Read full description

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

M4 screens
Etica2 screens

Verdict

The call

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

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 4.0. Both are backed by a comparable volume of ratings — 1 and 4 respectively.

UpkeepUpdate frequency

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.

Scorecard3 real differences · 7 level
M versus Etica: the parameters behind the verdict, then further details
ParameterMEtica
PriceFreeFree
Rating5.0 (1 ratings) — better4.0 (4 ratings)
Positive reviews—100.0% of reviews
Number of ratings14 — better
Update frequencyEvery 7 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15 — better15.1
Further details — not scored
Size34 MB50 MB
Age rating4+4+
DeveloperKenya Police Sacco LtdEtica Capital

Customer experience

M

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

Etica

All ratings4 ratings
Positive75.0%
Neutral25.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

M

No in-app purchases

None

Etica

No in-app purchases

Questions

Is M free?
M 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, M or Etica?
M is rated higher. M averages 5.0 out of 5 from 1 ratings, while Etica averages 4.0 from 4 ratings.
Do M or Etica have ads?
Neither M nor Etica shows ads.
Which is updated more often, M or Etica?
M ships an update every 7 months, and Etica every 2 weeks. Most recently, M was updated on October 27, 2026 and Etica on October 9, 2026.

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