BCEL One vs ST Hub
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.
ST Hub
Manage your finances on the go with this mobile banking app. View account summaries, make bill payments, transfer funds, and earn rewards. It offers secure login options and convenient payment features.
- Account summaries
- Bill payments
- Fund transfers
- Scan to Pay QR
- Earn rewards points
- Card management
- ATM & branch locator
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ST HUB is the official retail mobile banking service of the ST Bank and includes the service in the application, which you can control your finances anytime, anywhere simple easy and fast. ST Hub app can be view account summaries and manage your term deposits accounts summaries; Bill payment; Fund transfer, including transfers to other bank customer by Through the LAPSNET center; Earn Point for Rewards and much, much more. Feature and Functions of ST HUB, Login - Mobile PIN - Fingerprint Scan to Pay - Scan Merchant QR to make Payment - Account transfer - Scan QR transfers Balance Inquiry - Debit Account balance Fund Transfer - Select Prepaid debit card / Own account / Other account to transfer - Transfer to payee in the list - Transfer to new payee – Scan QR, Import QR from image Gallery, input card number / account number. My Card - Add Debit card - Change default card Bill Payment - Electricity payment, Water payment, Mobile payment, Road tax, Land tax, LDTV, Leasing payment, Insurance payment and etc. HUB Point - Earn Point for Rewards Setting - Chang card PIN - Chang Login Mobile PIN - Lock / Unlock card - Toggle Dark / Light Mode - Turn On / Off Touch ID Service - Checking exchange rate and Interest rate - ATM location and Branch location - Service Request
Screenshots
Verdict
The clearest difference is rating: ST Hub at 4.2 against BCEL One's 3.9. BCEL One's advantage is ratings volume (87 vs 5) and iOS requirement (12.0 vs 15.6). 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.
ST Hub holds the better App Store score, 4.2 against 3.9. That said, the two scores are not equally well evidenced: BCEL One has 87 ratings behind it against 5, so its average is the more settled of the two.
BCEL One ships an update every 3 weeks, ST Hub every 2 weeks. The most recent releases landed on September 29, 2026 and September 26, 2026 respectively.
| Parameter | BCEL One | ST Hub |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (87 ratings) | 4.2 (5 ratings) — better |
| Positive reviews | 51.7% of reviews | — |
| Number of ratings | 87 — better | 5 |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 12.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 72 MB | 94 MB |
| Age rating | 4+ | 4+ |
| Developer | Banque Pour Le Commerce Exterieur Lao Public | ST Bank Ltd |
Customer experience
BCEL One
ST Hub
In-app purchases
BCEL One
No in-app purchases
ST Hub
No in-app purchases
