IBBL iSmart vs FSIB Cloud Banking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
IBBL iSmart
This mobile banking application allows users to manage their accounts, transfer funds between IBBL accounts and other banks, pay utility bills, and recharge mobile and WiMAX services. It also facilitates cheque book requisitions and provides access to account statements and branch/ATM locations.
- Mobile airtime top-up
- Fund transfers to IBBL and other banks
- Utility bill payments
- Cash withdrawal and remittance
- Cheque book requisition
- Account information and statements
- ATM and branch locator
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IBBL iSmart - the Mobile App for IBBL iBanking services which has the following features: iRecharge - Mobile airtime top up of any operators in Bangladesh. iTransfer - Transfer fund to IBBL accounts. – Send fund to any IBBL account. iTransfer(Other Bank) – Send fund to any other bank's account or card using EFT/NPSB channel. Issue Cheque Book Requisition – Issue a new cheque book to be printed for you. Utility Bill Payment – Pay bills of your utility services like electricity, gas, water. iCashRemit - You can withdraw cash from ATM, or you can send money to any person in Bangladesh who has a mobile number. Wimax Recharge - Refill WiMAX service accounts of Banglalion and Qubee. Account Information - Account detail of a particular account in iBanking Profile Account Statement - Statement of a particular account. You can download the statement in PDF Find IBBL Location service using Map – Find any IBBL ATM or Branch location. More services will be introduced in versions following. We want to come up with every service you are enjoying at IBBL iBanking in phases. With every new version, you must have a new feature. We want your valuable suggestions on the services you want to see next in IBBL iSmart - the mobile app of IBBL iBanking. We want good reviews and rating to inspire us. A big hand for being with us and inspire us to deliver new things.
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.
- 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
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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
Verdict
The clearest difference is update cadence: FSIB Cloud Banking at every 2 months against IBBL iSmart's every 5 months. FSIB Cloud Banking also leads on iOS requirement (12.0 vs 15.0). On price, rating, review sentiment and ratings volume 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.
On the App Store both sit at effectively the same score — 3.5 for IBBL iSmart against 3.3 for FSIB Cloud Banking. Both are backed by a comparable volume of ratings — 111 and 76 respectively. Written reviews are what separate them: 33% of IBBL iSmart's written reviews are positive against 32% of FSIB Cloud Banking's.
IBBL iSmart ships an update every 5 months, FSIB Cloud Banking every 2 months. Both last shipped on November 2, 2026.
| Parameter | IBBL iSmart | FSIB Cloud Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (111 ratings) — better | 3.3 (76 ratings) |
| Positive reviews | 33.2% of reviews — better | 31.6% of reviews |
| Number of ratings | 111 — better | 76 |
| Update frequency | Every 5 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 46 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | Islami Bank Bangladesh Ltd | First Security Islami Bank Limited |
Customer experience
IBBL iSmart
FSIB Cloud Banking
Bugs and requests
IBBL iSmart
Reported bugs
4 issues- OTP not received after app update
- Unable to add new beneficiaries
- Fund transfer feature not working properly
- App shuts down unexpectedly during transactions
Requested features
4 requests- Add NPSB and EFTN transfer options
- Implement biometric login (Face ID, Touch ID)
- Introduce mobile recharge and bill payment features
- Provide account opening functionality within the app
FSIB Cloud Banking
Not enough reviews yet to summarise bugs or requests.
In-app purchases
IBBL iSmart
No in-app purchases
FSIB Cloud Banking
No in-app purchases









