BCEL One vs IB CAP
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 CAP
Manage corporate banking transactions securely from anywhere. Review account balances, transfer funds, pay bills, and recharge mobile services. Supports multiple users and company subsidiaries.
- Account management
- Fund transfers
- Bill payments
- Mobile recharge
- Payroll uploads
- Multi-user support
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IB CAP is a Corporate Banking for companies subsidiary companies with multiple users. could be a multi-national group of companies with several subsidiary companies with multiple users. Say "IB CAP" to Corporate financial transactions on your hand from anywhere and any time plus security in place. Services: Login • via Username and Password • via SMS OTP Manage Your Bank Accounts and Finances • Review activity and balances in checking, savings, current, loan, deposit, and Debit card accounts. • Transfer history, Three month Transfer, view statement. Fund Transfer • Securely send and receive money To own or other IB Accounts. • Can Fund Transfer to another Bank. Bill Pay • Electricity, Water, Telco, Aeon, Insurance • Payment History. Mobile Pay • Recharge your prepaid/postpaid mobile. • Payment History. Payment Upload • can be uploaded multi-account for Fund transfer. Payroll Upload • can be uploaded multi-account for Salary. Settings • Set Profile picture • Change App Login Password
Screenshots
Verdict
The clearest difference is rating: IB CAP at 5.0 against BCEL One's 3.9. BCEL One's advantage is ratings volume (87 vs 1) and update cadence (every 3 weeks vs every 3 months). On price, ads, in-app purchases and monetization model 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 CAP holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: BCEL One has 87 ratings behind it against 1, so its average is the more settled of the two.
BCEL One ships an update every 3 weeks, IB CAP every 3 months. The most recent releases landed on October 6, 2026 and September 30, 2026 respectively.
| Parameter | BCEL One | IB CAP |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (87 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 51.7% of reviews | — |
| Number of ratings | 87 — better | 1 |
| Update frequency | Every 3 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 12.0 | 12.0 |
| Further details — not scored | ||
| Size | 72 MB | 64 MB |
| Age rating | 4+ | 17+ |
| Developer | Banque Pour Le Commerce Exterieur Lao Public | Indochina Bank Ltd. |
Customer experience
BCEL One
IB CAP
In-app purchases
BCEL One
No in-app purchases
IB CAP
No in-app purchases
