# IBBL iSmart vs FSIB Cloud Banking

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.

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.

## The numbers

| Metric | IBBL iSmart | FSIB Cloud Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (111 ratings)](https://appshunter.io/ios/app/ibbl-ismart/id1440023759/reviews)** | [3.3 (76 ratings)](https://appshunter.io/ios/app/fsib-cloud-banking/id1447744597/reviews) |
| Number of ratings | **111** | 76 |
| Positive reviews | **33.2% of reviews** | 31.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 46 MB | 87 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Islami Bank Bangladesh Ltd](https://appshunter.io/developer/1440023758) | [First Security Islami Bank Limited](https://appshunter.io/developer/1447744596) |

## What reviewers say

### IBBL iSmart

[App page](https://appshunter.io/ios/app/ibbl-ismart/id1440023759)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast and responsive app
- 🔒 Secure banking features

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔍 Outdated UI design
- ⚠️ Compatibility issues with newer iOS versions
- 🕰️ Slow transaction processing

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/fsib-cloud-banking/id1447744597)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is IBBL iSmart free?

IBBL iSmart 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, IBBL iSmart or FSIB Cloud Banking?

IBBL iSmart is rated higher. IBBL iSmart averages 3.5 out of 5 from 111 ratings, while FSIB Cloud Banking averages 3.3 from 76 ratings.

### Do IBBL iSmart or FSIB Cloud Banking have ads?

Neither IBBL iSmart nor FSIB Cloud Banking shows ads.

### Which is updated more often, IBBL iSmart or FSIB Cloud Banking?

IBBL iSmart ships an update every 5 months, and FSIB Cloud Banking every 2 months. Most recently, IBBL iSmart was updated on November 2, 2026 and FSIB Cloud Banking on November 2, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*