Comparison

Dosh vs TakuBCI

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

Head to head
About

Dosh

Manage your money with this app that simplifies spending, saving, and borrowing. Earn rewards on everyday purchases and home loans to get closer to your next phone upgrade. Set savings goals and earn competitive interest rates.

Highlights
  • Earn Phone Dollars on spending
  • Home loans with Phone Dollar bonus
  • Digital home loan application
  • Earn interest on savings
  • Set and track savings goals
  • Card spending notifications
Features
Read full description

Banking made freak’n easy* Dosh is the Kiwi app that helps you spend, save, and borrow money. Cause life is for living, not banking. *Dosh is not a registered bank. However, your funds are held at a NZ registered bank. EARN PHONE DOLLARS AND GET THE NEW PHONE YOU WANT, FASTER Spend with the One NZ dosh card and earn Phone Dollars on your everyday spend. Take out a home loan with dosh and get a Phone Dollars bonus towards your next phone upgrade. HOME LOANS THAT GIVE BACK Unlock freak’ n great interest rates on a home loan with dosh —powered by Westpac NZ. Whether you're switching your existing home loan or stepping into your new home, dosh makes the process easy and 100% digital. Plus, earn $1,700 Phone Dollars upon settlement so you can get the new phone you want, faster. Your access to hassle-free borrowing starts here. Apply for a home loan with dosh today. SPEND AND EARN PHONE DOLLARS Spend with the One NZ dosh card and earn 1% back Phone Dollars on your eligible everyday spend. Helping you get to your next interest-free phone faster. Pay with Apple Pay, Tap & Go in store or, shop online at any Visa enabled retailer. You’re in control. Set limits or lock your card any time. Plus get notified every time your One NZ dosh card is used. STRIVE TOWARDS YOUR SAVINGS GOALS Earn an epic interest rate on your savings while you grow your balance. Enjoy unlimited withdrawals with no fees or complicated rules. Set your savings goals and track your progress. Funds are held on trust with an AA- registered bank in New Zealand. Fine print You must be 13+ to use Dosh. See our T&Cs in the Privacy Policy. Visit Dosh.nz Dosh is a brand of MCA Investments Limited, a registered company in New Zealand (NZBN 9429048713511), and a registered financial services provider (FSP1000801). See terms and conditions at https://www.dosh.nz/terms-conditions. Dosh Home Loans are approved, issued and managed by Westpac New Zealand Limited (“Westpac”) and promoted by Dosh. Lending and eligibility criteria and terms and conditions apply. Dosh home loan reward offer has a minimum loan size of $300,000 and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet

About

TakuBCI

Manage all your Cook Islands bank accounts conveniently. Check transactions, transfer funds to friends and family, and pay local businesses. The app collects anonymous usage data for statistical analysis.

Highlights
  • Access all BCI accounts
  • Check transactions
  • Transfer money
  • Pay local businesses
  • Anonymous usage data collection
Features
Read full description

Access all your BCI accounts in one place. Your time, Your Place, Your BCI App to check the transactions over your accounts, transfer money to family and friends, and even pay micro/small businesses anywhere in the Cook Islands. Note: We collect anonymous information on how you utilise the application to perform statistical analysis of aggregate user behaviour. We do not collect personal information about you. By installing this app you are giving your consent.

Screenshots

Dosh4 screens
TakuBCI4 screens

Verdict

The call

The clearest difference is review sentiment: Dosh at 64% against TakuBCI's 20%. Dosh also leads on ads (none vs shown) and update cadence (every 6 weeks vs every 16 months). TakuBCI's advantage is iOS requirement (11.0 vs 15.0). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

Dosh ships an update every 6 weeks, TakuBCI every 16 months. The most recent releases landed on October 22, 2026 and October 7, 2026 respectively.

Scorecard5 real differences · 5 level
Dosh versus TakuBCI: the parameters behind the verdict, then further details
ParameterDoshTakuBCI
PriceFreeFree
Rating3.7 (3 ratings) — better—
Positive reviews63.5% of reviews — better20.0% of reviews
Number of ratings3 — better—
Update frequencyEvery 6 weeks — betterEvery 16 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.011.0 — better
Further details — not scored
Size116 MB132 MB
Age rating12+17+
DeveloperMCA Investments LimitedBANK OF THE COOK ISLANDS LIMITED

Customer experience

Dosh

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews74 reviews
Positive63.5%
Neutral8.1%
Negative28.4%

TakuBCI

Written reviews5 reviews
Positive20.0%
Neutral0.0%
Negative80.0%

Bugs and requests

Dosh

Reported bugs

7 issues
  • App won't run on two devices
  • App turned black, causing eye strain
  • Login screen freezes
  • Incompatible with older devices
  • Customer service support is lacking
Show 2 more
  • Can't get verified without NZ passport or driver's license
  • Requires driver's license for app use

Requested features

18 requests
  • Support for Apple Pay
  • Ability to reorder accounts
  • Monthly statements to download or email
  • Balance shown after each transaction
  • Username and password login option
Show 13 more
  • Authenticator app option for login
  • Website login option
  • Budgeting tools
  • Spending graphs
  • Bank card option for topping up
  • Paid plan for higher cashback limit
  • Faster bank transfers
  • Option to use for Afterpay payments
  • Personalize main account (name and color)
  • Pre-save bank accounts for easier deposit
  • Option to use overseas with clear fees
  • More inclusive verification options for immigrants
  • Fix voiceover issues

TakuBCI

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Dosh

No in-app purchases

None

TakuBCI

No in-app purchases

Questions

Is Dosh free?
Dosh is free to download, with no in-app purchases.
Is TakuBCI free?
TakuBCI is free to download, with no in-app purchases.
Do Dosh or TakuBCI have ads?
TakuBCI shows ads; Dosh does not.
Which is updated more often, Dosh or TakuBCI?
Dosh ships an update every 6 weeks, and TakuBCI every 16 months. Most recently, Dosh was updated on October 22, 2026 and TakuBCI on October 7, 2026.

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