IB Cool vs ST Hub
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Access savings and current accounts
- Manage fixed deposits and loans
- Pay bills quickly
- Discover merchant discounts
- Financial management tools
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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.
ST Hub
Manage your finances on the go with this mobile banking app. View account summaries, make bill payments, transfer funds, and earn rewards. It offers secure login options and convenient payment features.
- Account summaries
- Bill payments
- Fund transfers
- Scan to Pay QR
- Earn rewards points
- Card management
- ATM & branch locator
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ST HUB is the official retail mobile banking service of the ST Bank and includes the service in the application, which you can control your finances anytime, anywhere simple easy and fast. ST Hub app can be view account summaries and manage your term deposits accounts summaries; Bill payment; Fund transfer, including transfers to other bank customer by Through the LAPSNET center; Earn Point for Rewards and much, much more. Feature and Functions of ST HUB, Login - Mobile PIN - Fingerprint Scan to Pay - Scan Merchant QR to make Payment - Account transfer - Scan QR transfers Balance Inquiry - Debit Account balance Fund Transfer - Select Prepaid debit card / Own account / Other account to transfer - Transfer to payee in the list - Transfer to new payee – Scan QR, Import QR from image Gallery, input card number / account number. My Card - Add Debit card - Change default card Bill Payment - Electricity payment, Water payment, Mobile payment, Road tax, Land tax, LDTV, Leasing payment, Insurance payment and etc. HUB Point - Earn Point for Rewards Setting - Chang card PIN - Chang Login Mobile PIN - Lock / Unlock card - Toggle Dark / Light Mode - Turn On / Off Touch ID Service - Checking exchange rate and Interest rate - ATM location and Branch location - Service Request
Screenshots
Verdict
The clearest difference is rating: IB Cool at 4.7 against ST Hub's 4.2. IB Cool also leads on ratings volume (16 vs 5) and iOS requirement (13.0 vs 15.6). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
IB Cool holds the better App Store score, 4.7 against 4.2. Both are backed by a comparable volume of ratings — 16 and 5 respectively.
IB Cool ships an update every 3 weeks, ST Hub every 2 weeks. Both last shipped on October 24, 2026.
| Parameter | IB Cool | ST Hub |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (16 ratings) — better | 4.2 (5 ratings) |
| Positive reviews | 90.0% of reviews | — |
| Number of ratings | 16 — better | 5 |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 134 MB | 93 MB |
| Age rating | 4+ | 4+ |
| Developer | Indochina Bank Ltd. | ST Bank Ltd |
Customer experience
IB Cool
ST Hub
In-app purchases
IB Cool
No in-app purchases
ST Hub
No in-app purchases
