# Dosh vs TakuBCI

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

## The numbers

| Metric | Dosh | TakuBCI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/dosh/id1551072628/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | **63.5% of reviews** | 20.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 6 weeks** | Every 16 months |
| Monetization | **Free** | Ad-supported |
| Size | 116 MB | 132 MB |
| Requires iOS | 15.0 | **11.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 12+ | 17+ |
| Developer | [MCA Investments Limited](https://appshunter.io/developer/1551072630) | [BANK OF THE COOK ISLANDS LIMITED](https://appshunter.io/developer/1616427771) |

## What reviewers say

### Dosh

[App page](https://appshunter.io/ios/app/dosh/id1551072628)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 💰 Great cashback rewards
- 🏠 Excellent home loan service
- 🚀 Fast and efficient processes
- 💡 Innovative features like Strive and Stashes

**What reviewers complain about**

- 😞 Cashback capped
- 😠 Partnership with One NZ disliked
- ⏳ Slow bank transfers
- 💳 Cannot reorder or get new cards easily
- 📱 One NZ blocking app

**Reported bugs**

- 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

**Requested features**

- Support for Apple Pay
- Ability to reorder accounts
- Monthly statements to download or email
- Balance shown after each transaction
- Username and password login option


### TakuBCI

[App page](https://appshunter.io/ios/app/takubci/id1616427769)

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:** macOS Compatibility

**In-app purchases:** none


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