BCEL One vs LDB Trust
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BCEL One
This advanced banking app allows shared accounts with customizable permissions, multi-recipient fund transfers, and digital cheque issuance. It offers enhanced security features like FaceScan and virtual prepaid cards for social transactions, alongside a new customer support channel.
- Shared accounts with permission control
- Multi-recipient fund transfers
- Issue e-cheques
- FaceScan security
- Virtual prepaid card (OneCash)
- Cash Coupon creation and sharing
- OneCare customer support channel
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Experience OneBank, a suite of advanced banking services that allows you to share accounts with multiple people, control what each person can do, transfer funds to multiple recipients, issue e-cheques, and more. BCEL One – One for All – The financial platform that everyone can bank on. The future of mobile banking is NOW. The major updates envisage the new security, fluid experiences, and customer centric designs. FaceScan and genuine profile photos have been added for healthier and safer banking experience. OneCare is the new and fastest channel for customers to contact the bank. OneCash, a virtual prepaid card, is your de-facto wallet or shadow account to allow you to transact socially. You can create a Cash Coupon and send it over any chat apps ; Whatsapp, Line, WeChat and Messenger… and many more, the future is NOW in the new BCEL One – One for All. Get your hands on the mobile platform that everyone can now bank on.
LDB Trust
Manage your finances with a mobile banking and digital wallet app. Perform transfers, pay bills, track your spending, and secure your credit card. Features a user-friendly interface with quick access to favorite functions.
- Digital wallet functionality
- Interbank transfers via LAPNET
- Extensive bill payment options
- Transaction history and statements
- Credit card blocking/unblocking
- QR code scanning for payments and transfers
- Waste payment functionality
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LDB Trust - Mobile Banking and Digital Wallet at your fingertip. Now comes with a brand new design, easier to use than ever with more banking functionalities combining the security and reliability from LDB Trust with the ease of use and speed of LDB Wallet into a single app. - No need to have LDB Account or Card, just register to get your Wallet - Transfer to LDB and other banks via LAPNET with the Account number or Card number - Bill Payment - Mobile Top-Up, Electricity bill, Water bill, Lao Social Security, Leasing, and many more - Statement/History - Keep track of your money at any time. Instantly block and unblock your credit card anytime for your own safety - Bookmark - Your favorite functions right on the first page - Scan QR Code of both the LDB Trust and LDB Wallet for Transfer, Payment, Cash out with LDB Agency - And many more - The ‘small-b’ function in the app is designated for Waste Payment, allowing users to efficiently handle and complete payments related to waste management.
Screenshots
Verdict
The clearest difference is rating: LDB Trust at 4.3 against BCEL One's 3.9. BCEL One's advantage is ratings volume (87 vs 21). On price, review sentiment, update cadence and ads 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.
LDB Trust holds the better App Store score, 4.3 against 3.9. Both are backed by a comparable volume of ratings — 87 and 21 respectively. Written reviews complicate that: 52% of BCEL One's written reviews are positive against 50% of LDB Trust's, so the app with the better star average is not the one people write more warmly about.
BCEL One ships an update every 3 weeks, LDB Trust fortnightly. The most recent releases landed on September 17, 2026 and September 2, 2026 respectively.
| Parameter | BCEL One | LDB Trust |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (87 ratings) | 4.3 (21 ratings) — better |
| Positive reviews | 51.7% of reviews — better | 50.0% of reviews |
| Number of ratings | 87 — better | 21 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 12.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 72 MB | 116 MB |
| Age rating | 4+ | 17+ |
| Developer | Banque Pour Le Commerce Exterieur Lao Public | LDB MOBILE BANKING |
Customer experience
BCEL One
LDB Trust
In-app purchases
BCEL One
No in-app purchases
LDB Trust
No in-app purchases
