# M vs Etica

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.

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.

## The numbers

| Metric | M | Etica |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/m-tawi/id1531661968/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/etica/id6454935136/reviews) |
| Number of ratings | 1 | **4** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 34 MB | 50 MB |
| Requires iOS | **15** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Kenya Police Sacco Ltd](https://appshunter.io/developer/1531661970) | [Etica Capital](https://appshunter.io/developer/1699794292) |

## What reviewers say

### M

[App page](https://appshunter.io/ios/app/m-tawi/id1531661968)

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:** Vision Pro support

**In-app purchases:** none


### Etica

[App page](https://appshunter.io/ios/app/etica/id6454935136)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*