DhowCSD vs Kelvra
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.
Kelvra
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Kelvra is your AI-powered budget coach — built for households who want clarity on money, not just another spreadsheet. SAFE TO SPEND, EVERY DAY Kelvra estimates how much you can safely spend today based on your income, bills, and savings goals — updated as you earn and spend. AI COACH THAT KNOWS YOUR BUDGET Ask Kelvra's AI coach anything — "Can I afford this?", "Which bills are due this week?", "How's my spending trend?" — and get answers grounded in your actual numbers, not generic advice. BILLS, NEVER MISSED Track every recurring bill with due dates and payment status. Kelvra flags what's overdue and what's coming up before it catches you off guard. TRANSACTIONS, EFFORTLESSLY LOGGED Add transactions manually or scan a receipt — Kelvra categorizes spending automatically and shows you exactly where your money goes each month. SAVINGS GOALS & DEBT PAYOFF Set savings goals like an emergency fund and track progress. Add debts and get a payoff plan using popular strategies like the snowball method. BUILT FOR HOUSEHOLDS Share one budget across your household — everyone sees the same numbers, the same bills, and the same plan. FREE TO START Unlimited transaction tracking Budget calculator AI coach (20 messages/month) KELVRA PREMIUM — $7.99/month or $59.99/year Unlimited AI coaching, affordability checks & receipt scans 7-day free trial Terms of Use: https://kelvra.ai/terms Privacy Policy: https://kelvra.ai/privacy
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Verdict
The clearest difference is in-app purchases: DhowCSD at none against Kelvra's 2. Kelvra's advantage is update cadence (every 6 weeks vs every 3 months). On price, ads, device support and iOS requirement 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. Kelvra sells 2 in-app purchases, starting at $7.99 per month. DhowCSD asks for nothing beyond the download.
DhowCSD ships an update every 3 months, Kelvra every 6 weeks. The most recent releases landed on September 30, 2026 and October 9, 2026 respectively.
| Parameter | DhowCSD | Kelvra |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (7 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 7 — better | — |
| Update frequency | Every 3 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 36 MB | 6 MB |
| Age rating | 17+ | 4+ |
| Developer | Central Bank of Kenya | ONDIS GROUP, LLC |
In-app purchases
DhowCSD
No in-app purchases
Kelvra
- Kelvra Premium7 Days trial$7.991 Month
- Kelvra Premium7 Days trial$59.991 Year
