BCEL One vs IB Cool
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.
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.
Screenshots
Verdict
The clearest difference is rating: IB Cool at 4.7 against BCEL One's 3.9. IB Cool also leads on review sentiment (90% vs 52%). BCEL One's advantage is ratings volume (87 vs 16). 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 3.9. That said, the two scores are not equally well evidenced: BCEL One has 87 ratings behind it against 16, so its average is the more settled of the two. Written reviews point the same way: 52% of BCEL One's written reviews are positive against 90% of IB Cool's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 17, 2026 and July 23, 2026 respectively.
| Parameter | BCEL One | IB Cool |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (87 ratings) | 4.7 (16 ratings) — better |
| Positive reviews | 51.7% of reviews | 90.0% of reviews — better |
| Number of ratings | 87 — better | 16 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| 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 | 134 MB |
| Age rating | 4+ | 4+ |
| Developer | Banque Pour Le Commerce Exterieur Lao Public | Indochina Bank Ltd. |
Customer experience
BCEL One
IB Cool
In-app purchases
BCEL One
No in-app purchases
IB Cool
No in-app purchases
