# IBBL iSmart vs PPHL

The clearest difference is update cadence: PPHL at every 5 weeks against IBBL iSmart's every 5 months. PPHL also leads on iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

IBBL iSmart ships an update every 5 months, PPHL every 5 weeks. The most recent releases landed on October 23, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | IBBL iSmart | PPHL |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.5 (111 ratings)](https://appshunter.io/ios/app/ibbl-ismart/id1440023759/reviews)** | — |
| Number of ratings | **111** | — |
| Positive reviews | 33.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 5 weeks** |
| Monetization | Free | — |
| Size | 46 MB | 148 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Islami Bank Bangladesh Ltd](https://appshunter.io/developer/1440023758) | [Hayden Cassar](https://appshunter.io/developer/1329470709) |

## 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- 🔍 Outdated UI design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


### PPHL

[App page](https://appshunter.io/ios/app/pphl/id6448482928)

**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 PPHL free?

PPHL is free to download, with no in-app purchases.

### Do IBBL iSmart or PPHL have ads?

Neither IBBL iSmart nor PPHL shows ads.

### Which is updated more often, IBBL iSmart or PPHL?

IBBL iSmart ships an update every 5 months, and PPHL every 5 weeks. Most recently, IBBL iSmart was updated on October 23, 2026 and PPHL on October 18, 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.*