Comparison

BCEL i vs IB Cool

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

Head to head
About

BCEL i

Manage your bank accounts and conduct various financial transactions online 24/7. This service allows for bill payments, fund transfers, statement monitoring, and enhanced security features for individuals and corporations.

Highlights
  • Bill and tax payments
  • Funds transfer (domestic & international)
  • Monitor cheque usage and bank statements
  • Manage payroll transactions
  • Schedule future transactions
  • Retrieve and share e-receipts
  • Enhanced security with OTP tokens
Features
Read full description

BCEL i-Bank is the Internet Banking Service by BANQUE POUR LE COMMERCE EXTERIEUR LAO PUBLIC (BCEL) allowing customers to access their bank accounts and manage their money online from different locations 24/7. + Benefits - Support your transactions faster, more convenient and reliable with various functions, including bill & tax payments, funds transfer to ID cardholders, BCEL and other domestic and international banks. - Being able to monitor Cheque usage and bank statements. - Transactions will be made securely and professionally through BCELi-Bank and whenever they are completed, e-receipt can be retrieved and shared for confirmation. + Features - Payroll transactions can be managed by yourself. - Various online transactions are provided, including funds transfer to ID cardholders, BCEL and other domestic and international banks. - Customers can set or cancel either any preferred date or year transaction to transfer money in advance. ​- Can check your transaction history after paying bills including tax, electricity, water supply, telecom services (home/mobile phones, Internet, buy prepaid card), LDTV membership, etc. - Check transaction details including savings and current accounts, fixed-term deposits and loan accounts. - Can print out or send your bank statements to email weekly or monthly. - Monitor cheque usage and status. - Access daily exchange rates from BCEL. - Raise security level by allowing to add the number of users to access as well as OTP Token and prioritize the rights to access BCEL i-Bank. - ​Corporations should be allowed to have many users to access BCEL i-Bank and raise security level by determining the rights of users to approve and check each transaction. OTP will be used to confirm your transactions, which are monitored through Audit Log that users can access any time. + Terms of Services - Must have savings and current account with BCEL. - Only an account holder or a person, who has been entitled by an account holder, can register for the service - Before using the services, you should accept terms and conditions and also complete the application form with reliable information - A power of attorney letter is required, if an account holder cannot register/apply by himself/herself while valid ID cards must be provided by both an account holder and his/her representative + Application Form You can register for BCEL iBank at Head Office or any branch nearby you or download the application form via BCEL website (https://www.bcel.com.la) Tel: (856-21) 264959, Hotline:1555, Email: e-banking@bcel.com.la

About

IB Cool

Manage your bank accounts, fixed deposits, and loans with ease. This finance app helps you pay bills, discover discounts from partners, and take control of your financial life.

Highlights
  • Access savings and current accounts
  • Manage fixed deposits and loans
  • Pay bills quickly
  • Discover merchant discounts
  • Financial management tools
Features
Read full description

Welcome to our IB Cool mobile banking application which allows quick and easy access to your bank savings and current accounts, fixed deposits, and loans. Our IB Cool application is loaded with features to help you get on with what is important to you, now. It will surely play an important part in your life by helping you manage your finances and paying your bills to get amazing discounts from our numerous merchants and partners.

Screenshots

BCEL i4 screens
IB Cool4 screens

Verdict

The call

The clearest difference is review sentiment: IB Cool at 90% against BCEL i's 0%. IB Cool also leads on rating (4.7 vs 3.0) and update cadence (every 3 weeks vs every 4 months). BCEL i's advantage is iOS requirement (11.0 vs 13.0). On price, ratings volume, ads and in-app purchases 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

IB Cool holds the better App Store score, 4.7 against 3.0. Both are backed by a comparable volume of ratings — 6 and 16 respectively. Written reviews point the same way: 0% of BCEL i's written reviews are positive against 90% of IB Cool's.

UpkeepUpdate frequency

BCEL i ships an update every 4 months, IB Cool every 3 weeks. The most recent releases landed on November 5, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
BCEL i versus IB Cool: the parameters behind the verdict, then further details
ParameterBCEL iIB Cool
PriceFreeFree
Rating3.0 (6 ratings)4.7 (16 ratings) — better
Positive reviews0.0% of reviews90.0% of reviews — better
Number of ratings616 — better
Update frequencyEvery 4 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS11.0 — better13.0
Further details — not scored
Size69 MB134 MB
Age rating4+4+
DeveloperBanque Pour Le Commerce Exterieur Lao PublicIndochina Bank Ltd.

Customer experience

BCEL i

All ratings4 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

IB Cool

All ratings16 ratings
Positive93.8%
Neutral0.0%
Negative6.3%
Written reviews10 reviews
Positive90.0%
Neutral0.0%
Negative10.0%

In-app purchases

None

BCEL i

No in-app purchases

None

IB Cool

No in-app purchases

Questions

Is BCEL i free?
BCEL i is free to download, with no in-app purchases.
Is IB Cool free?
IB Cool is free to download, with no in-app purchases.
Which has better reviews, BCEL i or IB Cool?
IB Cool is rated higher. BCEL i averages 3.0 out of 5 from 6 ratings, while IB Cool averages 4.7 from 16 ratings.
Do BCEL i or IB Cool have ads?
Neither BCEL i nor IB Cool shows ads.
Which is updated more often, BCEL i or IB Cool?
BCEL i ships an update every 4 months, and IB Cool every 3 weeks. Most recently, BCEL i was updated on November 5, 2026 and IB Cool on November 3, 2026.

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