DESACCO vs DhowCSD
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DESACCO
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This Mobile Application enables SACCO members to access the following services: Transaction Services - Withdraw Money (M-PESA/ATM/Agent) - Buy Airtime - Pay Bill (Electricity, Water etc) - Funds Transfer to SACCO Account - Funds Transfer to Bank Account - QR Transaction My Account Service -Account balance -Get Detailed Account Statement -Change PIN Loans -Check Loan Limit -Apply for Loan -Loan Balance -Get Detailed Loan Statement -My Loan Guarantors: Get to know the members who have guaranteed your loans -Loans Guaranteed: Get to know the members you have guaranteed loans Contact US -Get contact information of your SACCO.
DhowCSD
Manage your Central Bank of Kenya investment account directly from your mobile device. Participate in securities auctions, view results, and access portfolio statements. Initiate secondary market and pledge instructions securely and efficiently.
- Open and manage investment accounts
- Participate in securities auctions
- View auction results and payment details
- Access corporate actions
- View portfolio statements
- Initiate secondary market instructions
- Initiate pledge instructions
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Welcome to CBK DhowCSD. You can now open and manage a CSD investment account at the Central Bank of Kenya allowing you to participate in securities auctions, view auction results and payment details, view upcoming corporate actions, access updated portfolio statements and initiate secondary market and pledge instructions via the app in a convenient, simple, efficient and secure manner.
Screenshots
Verdict
The clearest difference is update cadence: DhowCSD at every 3 months against DESACCO's every 39 months. On price, ads, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
DESACCO ships an update every 39 months, DhowCSD every 3 months. The most recent releases landed on September 20, 2026 and September 30, 2026 respectively.
| Parameter | DESACCO | DhowCSD |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.6 (7 ratings) — better |
| Positive reviews | — | 50.0% of reviews |
| Number of ratings | — | 7 — better |
| Update frequency | Every 39 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 50 MB | 36 MB |
| Age rating | 17+ | 17+ |
| Developer | DEFENCE SAVINGS AND CREDIT CO-OPERATIVE SOCIETY LIMITED | Central Bank of Kenya |
In-app purchases
DESACCO
No in-app purchases
DhowCSD
No in-app purchases
