DhowCSD vs Etica
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
Etica
Manage investment funds regulated by the Capital Markets Authority of Kenya. Invest in retail funds with as little as KES 100 or high net worth funds. Initiate deposits, withdrawals, transfers, and utility payments.
- Self-onboarding in under 2 minutes
- Manage Collective Investment Schemes
- Invest in Money Market, Fixed Income, Shariah, and Wealth Funds
- Low minimum investment (KES 100)
- Initiate deposits, withdrawals, and transfers
- View and download statements instantly
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Enable client to self-onboard in less than 2 minutes and thereafter login to manage their investments funds under the Collective Investment Schemes regulated by the Capital Markets Authority of Kenya with choices from retail funds such as Money Market Fund / Fixed Income Fund / Shariah Fund with as low as KES 100/= (no lock-in periods for these), to high networth fund such as Wealth Fund with minimum from KES 1M ( with lock-in options of 6, 9 or 12 months). Client can also initiate transactions such as deposits, withdrawals, transfers (between funds or to another fund for self or another existing client) and utility payments. Statements can be viewed and / or downloaded from the app instantly 24/7.
Screenshots
Verdict
The clearest difference is review sentiment: Etica at 100% against DhowCSD's 50%. Etica also leads on rating (4.0 vs 3.6) and update cadence (every 2 weeks vs every 3 months). On price, ratings volume, ads and in-app purchases 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.
Etica holds the better App Store score, 4.0 against 3.6. Both are backed by a comparable volume of ratings — 7 and 4 respectively. Written reviews point the same way: 50% of DhowCSD's written reviews are positive against 100% of Etica's.
DhowCSD ships an update every 3 months, Etica every 2 weeks. The most recent releases landed on June 11, 2026 and August 15, 2026 respectively.
| Parameter | DhowCSD | Etica |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (7 ratings) | 4.0 (4 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 7 — better | 4 |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 36 MB | 50 MB |
| Age rating | 17+ | 4+ |
| Developer | Central Bank of Kenya | Etica Capital |
Customer experience
DhowCSD
Etica
In-app purchases
DhowCSD
No in-app purchases
Etica
No in-app purchases
