Comparison

UCB One vs FSIB Cloud Banking

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

Head to head
About

UCB One

Manage your finances on the go with comprehensive account access, fund transfers, and bill payments. Securely handle credit card transactions, request services, and manage your credentials for a seamless banking experience.

Highlights
  • Account dashboard
  • Fund transfers (own, UCB, other banks)
  • Credit card management and payments
  • Bill payments and mobile recharge
  • Service requests
  • Activity log and credential settings
  • Card and cheque management
Features
Read full description

About UCB One UCB One is the official digital banking app of United Commercial Bank PLC, designed for secure and convenient banking. Open accounts, manage finances, and perform transactions anytime, anywhere. Account Opening Open a bank account directly through the app using your NID, without visiting a branch. Subject to regulatory requirements and verification. Banking Services •⁠ ⁠View and manage accounts, cards, and transactions •⁠ ⁠Transfer funds to UCB and other banks (EFTN/NPSB/RTGS) •⁠ ⁠Send money to MFS wallets (bKash, Nagad, Rocket, upay) •⁠ ⁠Pay bills, mobile top-ups, and schedule payments •⁠ ⁠Download statements and access banking services Tools & Convenience •⁠ ⁠Personal finance tools and EMI calculator •⁠ ⁠Cash by Code for secure cardless ATM withdrawal •⁠ ⁠ATM and branch locator Security •⁠ ⁠Multi-layer authentication and OTP verification •⁠ ⁠Real-time alerts and notifications •⁠ ⁠Secure protection of customer data and transactions Disclaimer Services are subject to applicable regulations, transaction limits, and system availability.

About

FSIB Cloud Banking

This mobile banking application allows users to manage their accounts, perform various financial transactions, and access banking services. It facilitates money transfers, bill payments, mobile top-ups, and QR code payments. Users can also view account details, transaction history, and request services like cheque books and bank statements.

Highlights
  • Money transfer to local banks (NPSB, EFT, RTGS)
  • Inter-account transfers within FSIB
  • Transfers to mobile wallets (FirstCash, Nagad, Bkash)
  • Bill payments (DESCO, DPDC, Dhaka WASA)
  • Mobile top-up for all Bangladeshi telcos
  • QR code payments at FSIB merchants
  • Account balance and transaction history
  • Cheque book and bank statement requests
Features
Read full description

First Security Islami Bank PLC (FSIB) is a renowned private scheduled bank in Bangladesh. It is a public limited company. It contains 13 members including the Chairman and Managing Director. First Security Islami Bank PLC is a Shari’ah based bank, also. The Bank also contains a Shari’ah board that includes 5 members. Its paid up capital is Tk. 7840.99 million and authorized capital is Tk. 10,000.00 million. FSIB is now having 204 branches and 246 ATMs across Bangladesh. The Incorporation date of FSIB is August 29, 1999. The first branch is Dilkusha Branch and the date of opening is the 25th October 1999. FSIB delivers different types of services such as – branch banking, internet banking, SMS banking, agent banking, mobile banking etc. Besides, it also comprises the remittance business, including export-import business also. The Vision of FSIB is to be the premier financial institution in the country by providing high quality products and services backed by latest technology and a team of highly motivated personnel to deliver excellence in Banking. FSIB CLOUD, is the sole application of FSIB, so that it can has the permission of using Logo, Pictures, Videos and Contents of the organization’s website (https://www.fsiblbd.com/) in the Mobile Application (FSIB CLOUD). To reach our more than 1.3 million valued customers FSIB CLOUD will be performed to contribute to the socio-economic development of the country, to attain the highest level of satisfaction through the extension of services by dedicated and motivated professionals To maintain continuous growth of market share by ensuring quality and above all, to contribute effectively to the national economy in Bangladesh. FSIB has a rich service delivery system and a strong IT backbone with individual Unit such as FinTech, CBS, DBA, System & Hardware, Network, Security and Software Unit. FSIB has strong DATA center and Data recovery center. To get started, download, launch the app, Read Privacy policy, Sign up and contact with your branch. Then sign on with provided User ID and Password. It’s that simple. What’s in this App: TRANSACTIONS - Transfer money immediately to any local bank through NPSB, EFT & RTGS. - Send and Receive money immediately within Demand Deposit Accounts of FSIB. - Transfer Money or put standing instruction for recurring transfer to own DPS and Investment Account (HPSM Consumer Durable) within FSIB. -Transfer to FirstCash, Nagad & Bkash - Pay DESCO, DPDC, DHAKA WASA Bill. - Mobile Top Up of all Telco in Bangladesh. QR PAYMENTS - Customer can pay scanning QR of FSIB enlisted Merchant. It will save users time. ACCOUNT ACCESS - Profile Information. - All Account Lists with detailed Balance Tab. - Check Book Details. - See last 50 Transaction. - Search Transaction with Cheque Number, Account Number, Amount and Date. REQUEST - Cheque Book Requisition. - Cheque Stopping/ Block. - Request for bank Statement. - Mailing Address change request. SECURITY FEATURES AND AUTHENTICATION - Change Password. - Change T-PIN. - Authenticate transfer request with T-PIN, OTP, RSA Token. ATM / BRANCH / CONTACT US - Search for location and contact details of ATMs and Branches. - See Route and Location on Map. - Get help instantly with FSIBL Call center number 16257. OTHER FEATURES - Get Notification and alert about bank news, events, transaction etc. in scroll bar and massage center. - Calculate MTDR Profit and EMI with Schedule. - See Exchange Rates. - View, Share, Review and Request for Products. UPCOMING SERVICES: - Pay bills for Chittagong WASA, Indian VISA, Titas Gas. - Tuition fees payments for BRAC University and North South University. Note: First Security Islami Bank PLC does not charge fee for the use of FSIB CLOUD. Your Mobile Service Provider may charge you as per their data rate. Charges for different transaction will be declared by competent authority by circular. ©2021 FSIB CLOUD, Inc. First Security Islami Bank PLC.

Screenshots

UCB One4 screens
FSIB Cloud Banking4 screens

Verdict

The call

The clearest difference is rating: UCB One at 3.6 against FSIB Cloud Banking's 3.3. UCB One also leads on ratings volume (372 vs 76). FSIB Cloud Banking's advantage is iOS requirement (12.0 vs 16.0). On price, review sentiment, 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

UCB One holds the better App Store score, 3.6 against 3.3. Both are backed by a comparable volume of ratings — 372 and 76 respectively. Written reviews complicate that: 30% of UCB One's written reviews are positive against 32% of FSIB Cloud Banking's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

UCB One ships an update every 6 weeks, FSIB Cloud Banking every 2 months. The most recent releases landed on September 28, 2026 and July 11, 2026 respectively.

Scorecard3 real differences · 7 level
UCB One versus FSIB Cloud Banking: the parameters behind the verdict, then further details
ParameterUCB OneFSIB Cloud Banking
PriceFreeFree
Rating3.6 (372 ratings) — better3.3 (76 ratings)
Positive reviews29.9% of reviews31.6% of reviews — better
Number of ratings372 — better76
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.012.0 — better
Further details — not scored
Size99 MB87 MB
Age rating17+4+
DeveloperUnited Commercial Bank LimitedFIRST SECURITY ISLAMI BANK LIMITED

Customer experience

UCB One

All ratings372 ratings
Positive60.8%
Neutral6.7%
Negative32.5%
Written reviews174 reviews
Positive29.9%
Neutral12.1%
Negative58.0%

FSIB Cloud Banking

All ratings75 ratings
Positive56.0%
Neutral6.7%
Negative37.3%
Written reviews38 reviews
Positive31.6%
Neutral2.6%
Negative65.8%

Bugs and requests

UCB One

Reported bugs

4 issues
  • Inability to add beneficiaries
  • Credit card payment feature not working
  • Dashboard and card details crashing
  • Frequent server connection issues

Requested features

5 requests
  • Add biometric login (Face ID, Touch ID)
  • Improve UI/UX design
  • Enhance transaction history and statements
  • Add support for international transactions
  • Implement DPS/FDR management features

FSIB Cloud Banking

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

UCB One

No in-app purchases

None

FSIB Cloud Banking

No in-app purchases

Questions

Is UCB One free?
UCB One is free to download, with no in-app purchases.
Is FSIB Cloud Banking free?
FSIB Cloud Banking is free to download, with no in-app purchases.
Which has better reviews, UCB One or FSIB Cloud Banking?
UCB One is rated higher. UCB One averages 3.6 out of 5 from 372 ratings, while FSIB Cloud Banking averages 3.3 from 76 ratings.
Do UCB One or FSIB Cloud Banking have ads?
Neither UCB One nor FSIB Cloud Banking shows ads.
Which is updated more often, UCB One or FSIB Cloud Banking?
UCB One ships an update every 6 weeks, and FSIB Cloud Banking every 2 months. Most recently, UCB One was updated on September 28, 2026 and FSIB Cloud Banking on July 11, 2026.

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