Comparison

BCEL i vs IB CAP

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 CAP

Manage corporate banking transactions securely from anywhere. Review account balances, transfer funds, pay bills, and recharge mobile services. Supports multiple users and company subsidiaries.

Highlights
  • Account management
  • Fund transfers
  • Bill payments
  • Mobile recharge
  • Payroll uploads
  • Multi-user support
Features
Read full description

IB CAP is a Corporate Banking for companies subsidiary companies with multiple users. could be a multi-national group of companies with several subsidiary companies with multiple users. Say "IB CAP" to Corporate financial transactions on your hand from anywhere and any time plus security in place. Services: Login • via Username and Password • via SMS OTP Manage Your Bank Accounts and Finances • Review activity and balances in checking, savings, current, loan, deposit, and Debit card accounts. • Transfer history, Three month Transfer, view statement. Fund Transfer • Securely send and receive money To own or other IB Accounts. • Can Fund Transfer to another Bank. Bill Pay • Electricity, Water, Telco, Aeon, Insurance • Payment History. Mobile Pay • Recharge your prepaid/postpaid mobile. • Payment History. Payment Upload • can be uploaded multi-account for Fund transfer. Payroll Upload • can be uploaded multi-account for Salary. Settings • Set Profile picture • Change App Login Password

Screenshots

BCEL i4 screens
IB CAP4 screens

Verdict

The call

The clearest difference is rating: IB CAP at 5.0 against BCEL i's 3.0. BCEL i's advantage is ratings volume (6 vs 1). On price, update cadence, 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 CAP holds the better App Store score, 5.0 against 3.0. That said, the two scores are not equally well evidenced: BCEL i has 6 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

BCEL i ships an update every 4 months, IB CAP every 3 months. The most recent releases landed on October 24, 2026 and October 16, 2026 respectively.

Scorecard2 real differences · 8 level
BCEL i versus IB CAP: the parameters behind the verdict, then further details
ParameterBCEL iIB CAP
PriceFreeFree
Rating3.0 (6 ratings)5.0 (1 ratings) — better
Positive reviews0.0% of reviews—
Number of ratings6 — better1
Update frequencyEvery 4 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS11.0 — better12.0
Further details — not scored
Size69 MB64 MB
Age rating4+17+
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 CAP

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

BCEL i

No in-app purchases

None

IB CAP

No in-app purchases

Questions

Is BCEL i free?
BCEL i is free to download, with no in-app purchases.
Is IB CAP free?
IB CAP is free to download, with no in-app purchases.
Which has better reviews, BCEL i or IB CAP?
IB CAP is rated higher. BCEL i averages 3.0 out of 5 from 6 ratings, while IB CAP averages 5.0 from 1 ratings.
Do BCEL i or IB CAP have ads?
Neither BCEL i nor IB CAP shows ads.
Which is updated more often, BCEL i or IB CAP?
BCEL i ships an update every 4 months, and IB CAP every 3 months. Most recently, BCEL i was updated on October 24, 2026 and IB CAP on October 16, 2026.

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