# 小金-银行理财上线

> Mobile platform for bank wealth management products with daily interest and flexible withdrawals. (iPhone/iPad app by Shanghai Cvallis Finance Information Service Co., Ltd..)

- Source: https://appshunter.io/ios/app/id1447454058 (this page in markdown: same URL + `.md`)
- Developer: [Shanghai Cvallis Finance Information Service Co., Ltd.](https://appshunter.io/developer/1447454057)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 3 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 8.0 · 151 MB
- Languages: English
- Released: 2019-01-05
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/id1447454058/reviews.md

## What is 小金?

产品介绍
小金专注移动互联网端，旨在为用户提供稳定高效的理财体验。

【产品简介】
-银行理财精选：小金现已提供众邦银行定期型存款产品“多帮利”、可转让型存款产品“众力存”，周期派息型存款产品“众惠存”，未来还有更多产品上线，敬请期待。
-当日计息，随存随取：银行存款买入当天即有利息，随时取出无限制，收益与灵活兼得。
-存款保险制度：根据国务院颁布的《存款保险条例》依法保障五十万元存款额无风险。
-多年合规运营：自2014年8月上线以来，小金秉持信息“规范、高效、透明”的原则，历经行业沉浮，我们不曾动摇。

【联系我们】
官方网站：https://www.xiaojinlicai.com/
人工客服：微信搜索“中谷小金”

## Key features

- Selected bank wealth management products
- Daily interest calculation
- Flexible withdrawals
- Deposit insurance up to 500,000 yuan
- Compliant and transparent operations

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/id1447454058/reviews.md

### 5/5 — 支持小金

*2019-01-07, version 1.0.0*

用了小金一年多了，收益稳定，特别是增加一月场之后，收益率上涨了不少.

## Frequently asked questions about 小金

### What bank products are available on 小金?

小金 currently offers the following products from 众邦银行: '多帮利' (term deposit), '众力存' (transferable deposit), and '众惠存' (periodical interest payment deposit). More products are expected to be added in the future.

### How does 小金 handle interest calculation and withdrawals?

Interest begins to accrue on the day you purchase a bank deposit product. You can withdraw your funds at any time without restrictions, allowing you to balance earnings with flexibility.

### Is my money safe with 小金?

Yes, deposits are protected by the deposit insurance system, as stipulated by the 'Deposit Insurance Regulations' issued by the State Council. This ensures that deposits up to 500,000 yuan are risk-free.

### How long has 小金 been operating?

小金 has been operating compliantly since August 2014, adhering to principles of 'standardization, efficiency, and transparency'. The platform has navigated industry changes while maintaining its operational integrity.

### What devices does 小金 support?

小金 is available on iPhone and iPod devices. The app is rated for ages 4 and up.

### When was 小金 last updated?

The latest version of 小金 is 2.3.5, and it was last updated on December 5, 2020. The app was initially released on January 5, 2019.

### What is the user sentiment for 小金?

小金 has received an average rating of 5.0 stars from 3 ratings, indicating a very positive user sentiment based on the available data.

### Does 小金 have ads?

The provided data does not specify whether 小金 contains advertisements. However, it is a free application.

## Version history (last 1 release)

### 2.3.5 — 2020-12-05

新增 “众惠存周周付S”、“众惠存30天付S”，大额尊享，收益更高

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*