# Kiwibank Mobile Banking vs Dosh

The clearest difference is rating: Dosh at 3.7 against Kiwibank Mobile Banking's 3.1. Dosh also leads on review sentiment (64% vs 30%). Kiwibank Mobile Banking's advantage is update cadence (fortnightly vs every 6 weeks) and ratings volume (18 vs 3). 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.

Dosh holds the better App Store score, 3.7 against 3.1. That said, the two scores are not equally well evidenced: Kiwibank Mobile Banking has 18 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 30% of Kiwibank Mobile Banking's written reviews are positive against 64% of Dosh's.

Kiwibank Mobile Banking ships an update fortnightly, Dosh every 6 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Kiwibank Mobile Banking | Dosh |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (18 ratings)](https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653/reviews) | **[3.7 (3 ratings)](https://appshunter.io/ios/app/dosh/id1551072628/reviews)** |
| Number of ratings | **18** | 3 |
| Positive reviews | 30.0% of reviews | **63.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 258 MB | 116 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Kiwibank Limited](https://appshunter.io/developer/504216656) | [MCA Investments Limited](https://appshunter.io/developer/1551072630) |

## What reviewers say

### Kiwibank Mobile Banking

[App page](https://appshunter.io/ios/app/kiwibank-mobile-banking/id504216653)

Manage your finances on the go with this mobile banking app. View balances, transfer money, pay bills, and manage cards securely. Open new accounts, apply for credit cards, and track financial goals.

**Highlights:** View account balances and transaction history, Transfer money and pay bills, Manage payees and tax payments, Set up and manage cards, Open and manage accounts, Apply for credit cards, Secure login with biometrics

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and intuitive interface
- 🚀 Fast and responsive app performance
- 💳 Apple Pay support (recently added)
- 🔒 Secure authentication with Face ID/Touch ID
- 📱 Good basic banking functions

**What reviewers complain about**

- ⚠️ Forced iOS version requirements lock out older devices
- 🐛 Frequent app crashes and freezes
- ⏱️ Slow login and loading times
- 🔄 Endless update loops on incompatible devices
- ❌ Poor customer support responsiveness

**Reported bugs**

- App requires iOS 16+ update, blocking users on iOS 15 and older
- Infinite loop when updating app on incompatible devices
- Payment failures requiring app reinstall
- Balance not updating after transactions without logout/login
- Unexpected error messages during payments and login

**Requested features**

- Real-time transaction notifications and alerts
- Google Pay support
- Transaction time stamps (not just processing time)
- Favorites/frequent payees section
- Export statements in PDF format


### Dosh

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

This app helps you manage your money by allowing you to spend, save, and borrow. Earn rewards on everyday purchases and home loans to get closer to your next phone upgrade. It offers competitive interest rates on savings and a digital-first approach to borrowing.

**Highlights:** Earn Phone Dollars on spending, Home loans with bonus rewards, Competitive savings interest rates, Digital loan application process, 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


## Frequently asked questions

### Is Kiwibank Mobile Banking free?

Kiwibank Mobile Banking is free to download, with no in-app purchases.

### Is Dosh free?

Dosh is free to download, with no in-app purchases.

### Which has better reviews, Kiwibank Mobile Banking or Dosh?

Dosh is rated higher. Kiwibank Mobile Banking averages 3.1 out of 5 from 18 ratings, while Dosh averages 3.7 from 3 ratings.

### Do Kiwibank Mobile Banking or Dosh have ads?

Neither Kiwibank Mobile Banking nor Dosh shows ads.

### Which is updated more often, Kiwibank Mobile Banking or Dosh?

Kiwibank Mobile Banking ships an update fortnightly, and Dosh every 6 weeks. Most recently, Kiwibank Mobile Banking was updated on November 1, 2026 and Dosh on November 3, 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.*