# Intercredit Mobile Banking vs KCB OTP

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.

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.

## The numbers

| Metric | Intercredit Mobile Banking | KCB OTP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (75 ratings)](https://appshunter.io/ios/app/intercredit-mobile-banking/id569297152/reviews)** | [1.8 (6 ratings)](https://appshunter.io/ios/app/kcb-otp/id1037798612/reviews) |
| Number of ratings | **75** | 6 |
| Positive reviews | **75.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 months** | Every 12 months |
| Monetization | Free | Free |
| Size | 98 MB | 21 MB |
| Requires iOS | 16.0 | **12.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Intercredit Bank NA](https://appshunter.io/developer/569297155) | [KCB Kenya](https://appshunter.io/developer/1037798611) |

## What reviewers say

### Intercredit Mobile Banking

[App page](https://appshunter.io/ios/app/intercredit-mobile-banking/id569297152)

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.

**Highlights:** Access account balances, Retrieve account history, Pay bills, Deposit checks, Send/receive secure messages, Perform fund transfers, Wire transfers

**Features:** Apple Wallet

**In-app purchases:** none


### KCB OTP

[App page](https://appshunter.io/ios/app/kcb-otp/id1037798612)

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.

**Highlights:** Phone as a token, Instant transaction confirmation, Eliminates SMS/email delays, Secure internet banking

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Intercredit Mobile Banking free?

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

### Is KCB OTP free?

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

### Which has better reviews, Intercredit Mobile Banking or KCB OTP?

Intercredit Mobile Banking is rated higher. Intercredit Mobile Banking averages 4.4 out of 5 from 75 ratings, while KCB OTP averages 1.8 from 6 ratings.

### Do Intercredit Mobile Banking or KCB OTP have ads?

Neither Intercredit Mobile Banking nor KCB OTP shows ads.

### Which is updated more often, Intercredit Mobile Banking or KCB OTP?

Intercredit Mobile Banking ships an update every 6 months, and KCB OTP every 12 months. Most recently, Intercredit Mobile Banking was updated on November 1, 2026 and KCB OTP on November 5, 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.*