# BCEL One vs IB Cool

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.

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.

## The numbers

| Metric | BCEL One | IB Cool |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (87 ratings)](https://appshunter.io/ios/app/bcel-one/id654946527/reviews) | **[4.7 (16 ratings)](https://appshunter.io/ios/app/ib-cool/id1538710456/reviews)** |
| Number of ratings | **87** | 16 |
| Positive reviews | 51.7% of reviews | **90.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 72 MB | 134 MB |
| Requires iOS | **12.0** | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Banque Pour Le Commerce Exterieur Lao Public](https://appshunter.io/developer/654946550) | [Indochina Bank Ltd.](https://appshunter.io/developer/1538710458) |

## What reviewers say

### BCEL One

[App page](https://appshunter.io/ios/app/bcel-one/id654946527)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### 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


## Frequently asked questions

### Is BCEL One free?

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

### Is IB Cool free?

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

### Which has better reviews, BCEL One or IB Cool?

IB Cool is rated higher. BCEL One averages 3.9 out of 5 from 87 ratings, while IB Cool averages 4.7 from 16 ratings.

### Do BCEL One or IB Cool have ads?

Neither BCEL One nor IB Cool shows ads.

### Which is updated more often, BCEL One or IB Cool?

BCEL One ships an update every 3 weeks, and IB Cool every 3 weeks. Most recently, BCEL One was updated on September 17, 2026 and IB Cool on July 23, 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.*