Comparison

Mfukoni vs DhowCSD

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

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.

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
Read full description

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

Mfukoni4 screens
DhowCSD1 screens

Verdict

The call

The clearest difference is rating: DhowCSD at 3.3 against Mfukoni's 2.8. DhowCSD also leads on review sentiment (50% vs 38%). On price, ratings volume, 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

DhowCSD holds the better App Store score, 3.3 against 2.8. Both are backed by a comparable volume of ratings — 12 and 8 respectively. Written reviews point the same way: 38% of Mfukoni's written reviews are positive against 50% of DhowCSD's.

UpkeepUpdate frequency

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

Scorecard2 real differences · 8 level
Mfukoni versus DhowCSD: the parameters behind the verdict, then further details
ParameterMfukoniDhowCSD
PriceFreeFree
Rating2.8 (12 ratings)3.3 (8 ratings) — better
Positive reviews37.5% of reviews50.0% of reviews — better
Number of ratings12 — better8
Update frequencyEvery 3 monthsEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better14.0
Further details — not scored
Size89 MB36 MB
Age rating4+17+
DeveloperSBM Bank Kenya LimitedCentral Bank of Kenya

Customer experience

Mfukoni

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

DhowCSD

All ratings7 ratings
Positive57.1%
Neutral14.3%
Negative28.6%
Written reviews4 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Mfukoni

No in-app purchases

None

DhowCSD

No in-app purchases

Questions

Is Mfukoni free?
Mfukoni is free to download, with no in-app purchases.
Is DhowCSD free?
DhowCSD is free to download, with no in-app purchases.
Which has better reviews, Mfukoni or DhowCSD?
DhowCSD is rated higher. Mfukoni averages 2.8 out of 5 from 12 ratings, while DhowCSD averages 3.3 from 8 ratings.
Do Mfukoni or DhowCSD have ads?
Neither Mfukoni nor DhowCSD shows ads.
Which is updated more often, Mfukoni or DhowCSD?
Mfukoni ships an update every 3 months, and DhowCSD every 3 months. Most recently, Mfukoni was updated on November 1, 2026 and DhowCSD on November 3, 2026.

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