Comparison

UCB One vs CellFin

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

CellFin

This app offers a comprehensive digital banking experience, allowing users to manage finances, open accounts, and perform transactions without visiting a branch. It provides a virtual card, money transfers, remittance services, and ATM cash withdrawals. Users can also locate bank services and manage complaints.

Highlights
  • Digital Wallet creation
  • Virtual VISA/MasterCard
  • Account integration
  • Balance checking
  • Bank account opening
  • Money transfer
  • Foreign remittance
  • Cardless ATM transactions
Read full description

Introducing Islami Bank CellFin: Your “All-in-One Mobile App for Digital Services”. Islami Bank CellFin is your go-to mobile app for all your digital needs, whether you're already a bank customer or not. If you have a mobile phone with a number and a Smartphone, you're good to go! Non transactional features: 1. No Bank Visit Needed: You don't have to visit the bank or deal with any paperwork. Simply download the app on your smartphone, and you're ready to roll. 2. Instant Digital Wallet: Once you've got the app, you can instantly create your own Digital Wallet. No need to wait for the bank – it's all automated for your convenience. 3. Virtual Card Included: We've got you covered with a virtual card – either VISA or MasterCard – assigned to your Digital Wallet. It's like having a card in your phone, and it makes all your transactions a breeze. 4. Account Integration: You can link Islami bank existing Khidmah credit card, prepaid card, CBS account, agent banking account, mCash account with this Digital Wallet for all kinds of transactional and non-transactional services. 5. Balance check: Conveniently check Bank, mCash and CellFin account balance at no cost without the need to visit a branch. 6. Complain management: Swiftly file and receive a complaint ticket number for any disputes directly through the app, eliminating the need to visit a branch. 7. Bank account opening: Easily open various accounts, such as Mudaraba Savings, Mudaraba Special Savings, Mudaraba Monthly Profit Deposit, Mudaraba Student Savings, Mudaraba Industrial Employee Savings, Payroll, Hajj Savings, and Muhor Savings accounts, all from the convenience of our app – no need to visit a bank branch. 8. Location service: Effortlessly find branch locations, sub-branches, ATMs, and agent outlets using the app's built-in locator feature. 9. Cheque book requisition: Order a cheque book right from our app with ease. 10. Notification: Stay in the loop with exclusive offers and exciting promotions through our app's notifications. 11. Overseas registration: Bangladeshi citizens can use CellFin with all the features from 26 countries over the world. Transactional Features: 1. Add Money: Easily add funds to your CellFin from various sources, including other bank cards, IBBPLC accounts, mCash, and IBBPLC debit and credit cards. 2. Send Money (Transfer): Effortlessly transfer funds, whether it's within IBBL or to other banks (IBBPLC to other banks) through EFT&NPSB, Binimoy, and also make transfers to mobile financial services such as mCash, bKash, Nagad, and other MFS providers. 3. Receive and Add Foreign Remittance: Receive and add foreign remittances to your account 24/7 through our app – no need to visit a bank branch. 4. Cardless Cash withdraw and deposut from ATM/CRM : Deposit and withdraw cash from your CellFin account, and even withdraw cash from your bank account, all without the need for a card, and it's absolutely free of charge. 5. QR based POS Purchase: You can use CellFin Quick Pay with ease, whether it's through Bangla QR or IBBL QR. Debit funds from your Bank account, CellFin account, mCash or IBBL Khidmah credit card hassle-free. 6. Ecommerce Transaction: You can shop hassle-free on thousands of e-commerce sites 24/7, making payments conveniently through CellFin. 7. Bill & other types of Payments: With CellFin, you can easily manage your bills for electricity, gas, telephone, internet, WASA (water supply), educational fees, admission fees, and more. Pay your bills conveniently and stay on top of your expenses all in one place. 8. Mobile Top-up: Top up your mobile balance or settle postpaid mobile bills in a flash with CellFin. We offer convenient shortcuts for major mobile network operators like Robi, Airtel, Banglalink, Grameenphone, and Teletalk, ensuring swift and hassle-free transactions. 9. Request Money: You can request money to another CellFin user at any time when you need.

Screenshots

UCB One4 screens
CellFin4 screens

Verdict

The call

The clearest difference is rating: UCB One at 3.6 against CellFin's 3.3. On price, review sentiment, ratings volume and update cadence 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 340 respectively. Written reviews split almost evenly too, at 30% and 29% positive.

UpkeepUpdate frequency

UCB One ships an update every 6 weeks, CellFin every 2 months. The most recent releases landed on October 11, 2026 and October 12, 2026 respectively.

Scorecard1 real difference · 9 level
UCB One versus CellFin: the parameters behind the verdict, then further details
ParameterUCB OneCellFin
PriceFreeFree
Rating3.6 (372 ratings) — better3.3 (340 ratings)
Positive reviews29.9% of reviews — better29.4% of reviews
Number of ratings372 — better340
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.5 — better
Further details — not scored
Size99 MB97 MB
Age rating17+4+
DeveloperUnited Commercial Bank LimitedIslami Bank Bangladesh Ltd

Customer experience

UCB One

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

CellFin

All ratings340 ratings
Positive53.8%
Neutral6.8%
Negative39.4%
Written reviews204 reviews
Positive29.4%
Neutral10.8%
Negative59.8%

User reviews

UCB One

From 372 App Store ratings

What we love

  • 👍 User-friendly
  • 🚀 Good functionality
  • 🔒 Secure banking

Room to improve

  • 🐛 Crashes and bugs
  • 🕰️ Slow performance
  • 📱 Poor UI/UX design
  • 🔑 Lack of biometric login
  • 🔄 Frequent login issues

CellFin

From 340 App Store ratings

What we love

  • 🚀 Best app ever
  • 👍 Awesome experience
  • 💡 Smart Action
  • 👍 Helpful Financial App

Room to improve

  • 🐛 App crushed
  • 🐛 Doesn't work properly
  • 🐛 Login failed
  • 🐛 Verification process waste time
  • 🐛 Notification problems

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

CellFin

Reported bugs

11 issues
  • Can't open account from overseas
  • Doesn't work in abroad
  • Can't use this apps on iPhone
  • Not working on iOS 15
  • Not working on iPhone 6
Show 6 more
  • Not working on iPhone 7 Plus
  • Not working on iPhone 12 Pro Max
  • Blank screen after NID photo upload
  • Crash when opening camera
  • Login screen freezes
  • Incompatible with older devices

Requested features

7 requests
  • Face ID login feature
  • Binimoy feature
  • Dark(black) mode
  • Beneficiary AC Saving Option
  • Cash in through ATM machine
Show 2 more
  • Prepaid Card Balance and Statement
  • MTDR account open option

In-app purchases

None

UCB One

No in-app purchases

None

CellFin

No in-app purchases

Questions

Is UCB One free?
UCB One is free to download, with no in-app purchases.
Is CellFin free?
CellFin is free to download, with no in-app purchases.
Which has better reviews, UCB One or CellFin?
UCB One is rated higher. UCB One averages 3.6 out of 5 from 372 ratings, while CellFin averages 3.3 from 340 ratings.
Do UCB One or CellFin have ads?
Neither UCB One nor CellFin shows ads.
Which is updated more often, UCB One or CellFin?
UCB One ships an update every 6 weeks, and CellFin every 2 months. Most recently, UCB One was updated on October 11, 2026 and CellFin on October 12, 2026.

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