# DhowCSD vs Etica

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.

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.

## The numbers

| Metric | DhowCSD | Etica |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (7 ratings)](https://appshunter.io/ios/app/dhowcsd/id6444705699/reviews) | **[4.0 (4 ratings)](https://appshunter.io/ios/app/etica/id6454935136/reviews)** |
| Number of ratings | **7** | 4 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 36 MB | 50 MB |
| Requires iOS | **14.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Central Bank of Kenya](https://appshunter.io/developer/1656260872) | [Etica Capital](https://appshunter.io/developer/1699794292) |

## What reviewers say

### DhowCSD

[App page](https://appshunter.io/ios/app/dhowcsd/id6444705699)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### Etica

[App page](https://appshunter.io/ios/app/etica/id6454935136)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is DhowCSD free?

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

### Is Etica free?

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

### Which has better reviews, DhowCSD or Etica?

Etica is rated higher. DhowCSD averages 3.6 out of 5 from 7 ratings, while Etica averages 4.0 from 4 ratings.

### Do DhowCSD or Etica have ads?

Neither DhowCSD nor Etica shows ads.

### Which is updated more often, DhowCSD or Etica?

DhowCSD ships an update every 3 months, and Etica every 2 weeks. Most recently, DhowCSD was updated on June 11, 2026 and Etica on August 15, 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.*