# ILOE vs Deem

The clearest difference is rating: Deem at 2.6 against ILOE's 1.1. Deem also leads on update cadence (every 3 weeks vs every 3 months). ILOE's advantage is ratings volume (23 vs 5) and device support (3 vs 1). On price, review sentiment, 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.

Deem holds the better App Store score, 2.6 against 1.1. Both are backed by a comparable volume of ratings — 23 and 5 respectively. Written reviews point the same way: 7% of ILOE's written reviews are positive against 13% of Deem's.

ILOE ships an update every 3 months, Deem every 3 weeks. The most recent releases landed on October 14, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | ILOE | Deem |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.1 (23 ratings)](https://appshunter.io/ios/app/iloe/id1660797065/reviews) | **[2.6 (5 ratings)](https://appshunter.io/ios/app/deem/id6469543258/reviews)** |
| Number of ratings | **23** | 5 |
| Positive reviews | 7.3% of reviews | **13.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 25 MB | 62 MB |
| Requires iOS | **15.1** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 17+ |
| Developer | [DUBAI INSURANCE COMPANY(P.S.C.)](https://appshunter.io/developer/1068993948) | [Deem](https://appshunter.io/developer/1486561079) |

## What reviewers say

### ILOE

[App page](https://appshunter.io/ios/app/iloe/id1660797065)

This app provides information and access to the Involuntary Loss of Employment (ILOE) insurance plan in the UAE. It offers financial protection up to 20,000 AED for workers in federal government and private sectors who may lose their jobs.

**Highlights:** Involuntary Loss of Employment insurance, Financial protection up to 20,000 AED, Covers federal government sector, Covers private sector, Job loss compensation

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 User friendly policy purchase journey

**What reviewers complain about**

- 🐛 App is full of bugs
- 🐛 App doesn't work
- 🐛 App doesn't open
- 🐛 Blank white screen
- 🐛 Session expired error

**Reported bugs**

- App not opening
- Blank white screen on opening
- Session expired error during data entry
- App not working when outside UAE/connected to non-UAE network
- App crashes frequently

**Requested features**

- Fix app not opening
- Fix session expired error
- Fix not working abroad
- Fix blank white screen
- Fix app crashes


### Deem

[App page](https://appshunter.io/ios/app/deem/id6469543258)

Manage your credit card and personal loans with this intuitive app. Apply for new credit cards, track benefits and rewards, and access customer support. Enjoy a secure and convenient digital financial experience.

**Highlights:** Manage credit card and personal loans, Apply for new credit cards, Access benefits and rewards, Receive customer support, Secure financial data management

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👨‍💼 Helpful individual staff members (Akbar Ali, Syed Akbar Naqvi, Wasay, Soul Thomas)
- ✅ Some app improvements in newer versions
- 💳 User-friendly interface for checking card details
- 📊 Real-time card usage tracking
- 🎯 Improved navigation in recent updates

**What reviewers complain about**

- 📞 Extremely poor customer service responsiveness
- 🐛 App crashes and freezes frequently
- ❌ Unresponsive to cancellation requests
- 💰 Unauthorized charges and hidden fees
- 🔐 Login and authentication issues

**Reported bugs**

- App not opening or loading after updates
- Login stuck or session expiration errors
- Password change functionality broken
- Credit card not displaying in app after activation
- Card unlock option showing blank white screen

**Requested features**

- Real-time balance updates after payments
- Current month outstanding amount visibility
- Statement download functionality
- Apple Wallet integration
- Dark mode option


## Frequently asked questions

### Is ILOE free?

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

### Is Deem free?

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

### Which has better reviews, ILOE or Deem?

Deem is rated higher. ILOE averages 1.1 out of 5 from 23 ratings, while Deem averages 2.6 from 5 ratings.

### Do ILOE or Deem have ads?

Neither ILOE nor Deem shows ads.

### Which is updated more often, ILOE or Deem?

ILOE ships an update every 3 months, and Deem every 3 weeks. Most recently, ILOE was updated on October 14, 2026 and Deem on October 5, 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.*