# Mfukoni vs DhowCSD

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.

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

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.

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

## The numbers

| Metric | Mfukoni | DhowCSD |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (12 ratings)](https://appshunter.io/ios/app/mfukoni-sbm-bank/id777582673/reviews) | **[3.3 (8 ratings)](https://appshunter.io/ios/app/dhowcsd/id6444705699/reviews)** |
| Number of ratings | **12** | 8 |
| Positive reviews | 37.5% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free | Free |
| Size | 89 MB | 36 MB |
| Requires iOS | **13.0** | 14.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [SBM Bank Kenya Limited](https://appshunter.io/developer/1433524993) | [Central Bank of Kenya](https://appshunter.io/developer/1656260872) |

## What reviewers say

### Mfukoni

[App page](https://appshunter.io/ios/app/mfukoni-sbm-bank/id777582673)

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:** Vision Pro support

**In-app purchases:** none


### 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*