# IB Cool vs Phajot

The clearest difference is iOS requirement: IB Cool at 13.0 against Phajot's 15.0. 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 ships an update every 3 weeks, Phajot fortnightly. The most recent releases landed on October 3, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | IB Cool | Phajot |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (16 ratings)](https://appshunter.io/ios/app/ib-cool/id1538710456/reviews)** | — |
| Number of ratings | **16** | — |
| Positive reviews | 90.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | — |
| Size | 134 MB | 11 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Indochina Bank Ltd.](https://appshunter.io/developer/1538710458) | [Winnity Sole Co., Ltd](https://appshunter.io/developer/6811274770) |

## 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


### Phajot

[App page](https://appshunter.io/ios/app/phajot/id6811274768)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is IB Cool free?

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

### Is Phajot free?

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

### Do IB Cool or Phajot have ads?

Neither IB Cool nor Phajot shows ads.

### Which is updated more often, IB Cool or Phajot?

IB Cool ships an update every 3 weeks, and Phajot fortnightly. Most recently, IB Cool was updated on October 3, 2026 and Phajot on October 8, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*