# IB Cool vs ST Hub

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.

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.

## The numbers

| Metric | IB Cool | ST Hub |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (16 ratings)](https://appshunter.io/ios/app/ib-cool/id1538710456/reviews)** | [4.2 (5 ratings)](https://appshunter.io/ios/app/st-hub/id6446662990/reviews) |
| Number of ratings | **16** | 5 |
| Positive reviews | 90.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 134 MB | 93 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Indochina Bank Ltd.](https://appshunter.io/developer/1538710458) | [ST Bank Ltd](https://appshunter.io/developer/1524260993) |

## What reviewers say

### IB Cool

[App page](https://appshunter.io/ios/app/ib-cool/id1538710456)

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:** macOS Compatibility

**In-app purchases:** none


### ST Hub

[App page](https://appshunter.io/ios/app/st-hub/id6446662990)

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.

**Highlights:** Account summaries, Bill payments, Fund transfers, Scan to Pay QR, Earn rewards points, Card management, ATM & branch locator

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is IB Cool free?

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

### Is ST Hub free?

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

### Which has better reviews, IB Cool or ST Hub?

IB Cool is rated higher. IB Cool averages 4.7 out of 5 from 16 ratings, while ST Hub averages 4.2 from 5 ratings.

### Do IB Cool or ST Hub have ads?

Neither IB Cool nor ST Hub shows ads.

### Which is updated more often, IB Cool or ST Hub?

IB Cool ships an update every 3 weeks, and ST Hub every 2 weeks. Most recently, IB Cool was updated on October 24, 2026 and ST Hub on October 24, 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.*