Intercredit Mobile Banking vs KCB OTP
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Intercredit Mobile Banking
Manage your finances on the go with this mobile banking app. Access account balances and history, pay bills, deposit checks, and perform secure transactions like fund transfers and wire transfers.
- Access account balances
- Retrieve account history
- Pay bills
- Deposit checks
- Send/receive secure messages
- Perform fund transfers
- Wire transfers
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The ICB Mobile Banking allows you to access yours accounts information and to perform specific transactions on your mobile device: -Access account balances. -Retrieve your account history. -Pay your Bills -Deposit Checks on your accounts -Send and receive secure messages to/from your institution. -Perform single item transactions (funds transfers, single ach payments, single ach receipts and wire transfers).
KCB OTP
This app transforms your phone into a secure token for internet banking transactions. It eliminates the need to wait for SMS or email confirmations, streamlining your online banking experience.
- Phone as a token
- Instant transaction confirmation
- Eliminates SMS/email delays
- Secure internet banking
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KCB I-TAN converts your phone into a token. No more waiting for SMS and Email tokens for your internet banking transactions.
Screenshots
Verdict
The clearest difference is review sentiment: Intercredit Mobile Banking at 75% against KCB OTP's 0%. Intercredit Mobile Banking also leads on rating (4.4 vs 1.8) and ratings volume (75 vs 6). KCB OTP's advantage is iOS requirement (12.0 vs 16.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Intercredit Mobile Banking holds the better App Store score, 4.4 against 1.8. That said, the two scores are not equally well evidenced: Intercredit Mobile Banking has 75 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 75% of Intercredit Mobile Banking's written reviews are positive against 0% of KCB OTP's.
Intercredit Mobile Banking ships an update every 6 months, KCB OTP every 12 months. The most recent releases landed on November 1, 2026 and November 5, 2026 respectively.
| Parameter | Intercredit Mobile Banking | KCB OTP |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (75 ratings) — better | 1.8 (6 ratings) |
| Positive reviews | 75.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 75 — better | 6 |
| Update frequency | Every 6 months — better | Every 12 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 98 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | Intercredit Bank NA | KCB Kenya |
Customer experience
Intercredit Mobile Banking
KCB OTP
In-app purchases
Intercredit Mobile Banking
No in-app purchases
KCB OTP
No in-app purchases
Questions
Is Intercredit Mobile Banking free?
Is KCB OTP free?
Which has better reviews, Intercredit Mobile Banking or KCB OTP?
Do Intercredit Mobile Banking or KCB OTP have ads?
Which is updated more often, Intercredit Mobile Banking or KCB OTP?
Other comparisons
