Comparison

Mfukoni vs VCB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Mfukoni

Manage your bank accounts, transfer funds, pay bills, and deposit checks from your Apple device. The app offers a simplified interface with personalized themes and convenient features like contact integration for transactions.

Highlights
  • Account balance and transaction history
  • Bill payments (DSTV, KRA, etc.)
  • Money transfers (SBM and other banks)
  • MPESA integration
  • Cheque deposit
  • Airtime purchase
  • Branch and ATM locator
Features
Read full description

Banking made simpler through Mfukoni. You can do your banking from anywhere and anytime right from your Apple device. To get started, download the Mfukoni App and enroll by self-registration. With the newly upgraded version of Mfukoni, you can now experience the following; Easier layout and navigation Simple navigation between accounts Automatic display of last 5 transactions for the selected account Shortcut menus for most commonly used services e.g. MPESA, Paybill, Buy Airtime Easy navigation by scrolling right/left and up/down Personalization By adding your photo By setting a theme (from three available themes) Recommending the application to a friend Convenience by, Being able to pick contacts from your phonebook (for MPESA and airtime transactions) By easily resetting and changing your PIN By being able to request for products and services directly e.g. additional bank accounts Other functionalities include: Manage Your Account View account balances and transaction history Perform Transactions Pay bills – DSTV, GoTV, Kenya Power, Zuku, JTL, KRA Tax Payment Money Transfer between SBM Bank Kenya accounts and other Bank accounts Deposit SBM Bank Kenya Cheques Send and deposit money to and from MPESA Purchase Airtime from Safaricom, Airtel and Orange Locate SBM Locate the nearest SBM Bank Kenya branches and ATMs Notes on Permissions: Location permissions are needed to determine your current location in order to find SBM Bank Kenya branches and ATMs near you. Read Contact permissions are needed to access your contacts to send money via Mfukoni Camera permissions are needed to deposit checks via Mfukoni. Photo/Media/Files permissions are needed to pick profile pictures. Disclosure: Some features are available for eligible customers and accounts only. There is no charge for downloading Mfukoni, but data rates may apply. Delivery of account alerts may be delayed for various reasons, including service outages affecting your mobile device, wireless or internet provider; technology failures; and system capacity limitations.

About

VCB

This banking application enables customers to conduct transactions, make inquiries, and submit requests to the bank securely and efficiently. It offers a convenient way to manage your finances on the go.

Highlights
  • Secure transactions
  • Account inquiries
  • Request submission
  • Easy to use interface
  • Convenient mobile access
Features
Read full description

The app provided by Victoria Commercial Bank Ltd allows customers to carry out transactions securely and to make inquiries or requests to the Bank quickly and easily.

Screenshots

Mfukoni4 screens
VCB4 screens

Verdict

The call

Mfukoni and VCB both sit at 2.8 stars, but that hides the real split: 38% of Mfukoni's written reviews are positive against 0% of VCB's. Mfukoni also leads on ratings volume (12 vs 2) and iOS requirement (13.0 vs 15.0). On price, rating, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

VCB holds the better App Store score, 3.0 against 2.8. That said, the two scores are not equally well evidenced: Mfukoni has 12 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 38% of Mfukoni's written reviews are positive against 0% of VCB's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

Scorecard3 real differences · 7 level
Mfukoni versus VCB: the parameters behind the verdict, then further details
ParameterMfukoniVCB
PriceFreeFree
Rating2.8 (12 ratings)3.0 (2 ratings) — better
Positive reviews37.5% of reviews — better0.0% of reviews
Number of ratings12 — better2
Update frequencyEvery 3 monthsEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size89 MB31 MB
Age rating4+4+
DeveloperSBM Bank Kenya LimitedVictoria Commercial Bank

Customer experience

Mfukoni

All ratings12 ratings
Positive41.7%
Neutral0.0%
Negative58.3%
Written reviews8 reviews
Positive37.5%
Neutral0.0%
Negative62.5%

VCB

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Mfukoni

No in-app purchases

None

VCB

No in-app purchases

Questions

Is Mfukoni free?
Mfukoni is free to download, with no in-app purchases.
Is VCB free?
VCB is free to download, with no in-app purchases.
Which has better reviews, Mfukoni or VCB?
VCB is rated higher. Mfukoni averages 2.8 out of 5 from 12 ratings, while VCB averages 3.0 from 2 ratings.
Do Mfukoni or VCB have ads?
Neither Mfukoni nor VCB shows ads.
Which is updated more often, Mfukoni or VCB?
Mfukoni ships an update every 3 months, and VCB every 3 months. Most recently, Mfukoni was updated on November 1, 2026 and VCB on November 2, 2026.

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