Comparison

DTB 24/7 vs Etica

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

Head to head
About

DTB 24/7

This mobile banking app allows account holders to manage their finances on the go. It offers secure transaction authorization, bill payments, fund transfers, and branch/ATM locator features. Personalize your profile and make payments via QR codes.

Highlights
  • View account details
  • Secure transaction authorization (PIN/biometric)
  • Utility bill presentment
  • Mobile money transfers and airtime purchase
  • Masterpass QR payments
  • Funds transfer to other banks
  • Branch and ATM locator
  • Chequebook and stop cheque requests
Features
Read full description

DTB 24/7 is the revamped mobile banking app from Diamond Trust Bank Kenya Limited (DTB). The app provides an enhanced user experience that enables DTB account holders bank on the go wherever they are securely. So, what can you do with this revamped app? 1. View details of your bank accounts. 2. Securely authorize transaction via a 6 digit pin or biometrically using fingerprints. 3. Utility bill presentment 5 days before bills are due for payment. 4. Access and select beneficiaries of mobile money transfer as well as airtime purchase from your phonebook. 5. Personalize your app by uploading custom profile picture. 6. Scan and pay at participating merchant outlets courtesy of Masterpass QR. 7. Funds transfer to other banks via RTGS or PesaLink. 8. Locate all branch and ATM’s close to your current location. 9. Initiate chequebook requests as well as stop cheque requests. Disclosures: 1. Fingerprint authorization for transactions is available for applicable devices only 2. Customers need to have registered for DTB mobile banking service in-order to access services on DTB 24/7. Mobile banking registrations can be done at any branch. Diamond Trust Bank Kenya Limited is regulated by the Central Bank of Kenya.

About

Etica

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
Read full description

Enable client to self-onboard in less than 2 minutes and thereafter login to manage their investments funds under the Collective Investment Schemes regulated by the Capital Markets Authority of Kenya with choices from retail funds such as Money Market Fund / Fixed Income Fund / Shariah Fund with as low as KES 100/= (no lock-in periods for these), to high networth fund such as Wealth Fund with minimum from KES 1M ( with lock-in options of 6, 9 or 12 months). Client can also initiate transactions such as deposits, withdrawals, transfers (between funds or to another fund for self or another existing client) and utility payments. Statements can be viewed and / or downloaded from the app instantly 24/7.

Screenshots

DTB 24/74 screens
Etica2 screens

Verdict

The call

The clearest difference is review sentiment: Etica at 100% against DTB 24/7's 33%. Etica also leads on rating (4.0 vs 3.6) and update cadence (every 2 weeks vs every 2 months). DTB 24/7's advantage is ratings volume (14 vs 4) and iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases and monetization model 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

Etica holds the better App Store score, 4.0 against 3.6. Both are backed by a comparable volume of ratings — 14 and 4 respectively. Written reviews point the same way: 33% of DTB 24/7's written reviews are positive against 100% of Etica's.

UpkeepUpdate frequency

DTB 24/7 ships an update every 2 months, Etica every 2 weeks. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

Scorecard5 real differences · 5 level
DTB 24/7 versus Etica: the parameters behind the verdict, then further details
ParameterDTB 24/7Etica
PriceFreeFree
Rating3.6 (14 ratings)4.0 (4 ratings) — better
Positive reviews33.3% of reviews100.0% of reviews — better
Number of ratings14 — better4
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size66 MB50 MB
Age rating4+4+
DeveloperDiamond Trust Bank Kenya LimitedEtica Capital

Customer experience

DTB 24/7

All ratings14 ratings
Positive57.1%
Neutral7.1%
Negative35.7%
Written reviews9 reviews
Positive33.3%
Neutral11.1%
Negative55.6%

Etica

All ratings4 ratings
Positive75.0%
Neutral25.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

DTB 24/7

No in-app purchases

None

Etica

No in-app purchases

Questions

Is DTB 24/7 free?
DTB 24/7 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, DTB 24/7 or Etica?
Etica is rated higher. DTB 24/7 averages 3.6 out of 5 from 14 ratings, while Etica averages 4.0 from 4 ratings.
Do DTB 24/7 or Etica have ads?
Neither DTB 24/7 nor Etica shows ads.
Which is updated more often, DTB 24/7 or Etica?
DTB 24/7 ships an update every 2 months, and Etica every 2 weeks. Most recently, DTB 24/7 was updated on October 24, 2026 and Etica on October 9, 2026.

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