PesaPap vs DhowCSD
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PesaPap
Manage your finances effortlessly with this secure banking app. Send money, pay bills, apply for loans, and track expenses all from your mobile device. Enjoy instant account opening and card management features for a seamless banking experience.
- Instant loans
- KPLC prepaid payments
- Card management
- Instant account opening
- Money transfers
- Bill payments
- Smart expense tracking
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Bank Smarter with PesaPap – By Family Bank Experience the power of effortless banking with PesaPap, the sleek and secure mobile app from Family Bank. Built around your feedback, PesaPap blends speed, simplicity, and security in one vibrant, easy-to-use platform — giving you full control of your finances anytime, anywhere. Whether you're sending money, paying bills, or applying for a loan, PesaPap makes it all seamless. What You Can Do with PesaPap: • Instant Loans Apply and receive quick, flexible loans with fast approvals — perfect for those urgent needs. • KPLC Prepaid Payments Buy electricity tokens instantly, with meter validation and SMS alerts. • Card Management View credit card balances, track transactions, freeze cards, or set spending limits — all in real-time. • Instant Account Opening Start banking in just minutes — no paperwork or branch visits required. • Money Transfers Send funds locally or internationally in seconds, securely and conveniently. • Bill Payments Pay for E-Citizen services, KRA, water, school fees, and TV subscriptions — all in one place. • RTGS with Purpose Codes Make high-value transfers using CBK-compliant purpose codes — fast, clear, and compliant. • Smart Expense Tracking Monitor and manage your spending with built-in financial tools. • Savings & Insurance Grow your wealth and protect your future with our savings and insurance solutions. Why Choose PesaPap? • Fast & Convenient – Bank on your schedule, no queues or delays. • Secure – Your information and money are protected. • Customer-Centric – Built with your feedback for a seamless experience. Download PesaPap today and enjoy banking bila stress! Regulated by the Central Bank of Kenya.
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.
Screenshots
Verdict
The clearest difference is review sentiment: DhowCSD at 50% against PesaPap's 0%. DhowCSD also leads on rating (3.6 vs 2.3). PesaPap's advantage is iOS requirement (12.0 vs 14.0). 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
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, 3.6 against 2.3. Both are backed by a comparable volume of ratings — 12 and 7 respectively. Written reviews point the same way: 0% of PesaPap'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 June 21, 2026 and June 11, 2026 respectively.
| Parameter | PesaPap | DhowCSD |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (12 ratings) | 3.6 (7 ratings) — better |
| Positive reviews | 0.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 12 — better | 7 |
| Update frequency | Every 3 months | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 31 MB | 36 MB |
| Age rating | 4+ | 17+ |
| Developer | FAMILY BANK KENYA | Central Bank of Kenya |
Customer experience
PesaPap
DhowCSD
In-app purchases
PesaPap
No in-app purchases
DhowCSD
No in-app purchases
