# 中信银行 — 中信银行官方App

> 中信银行官方App (iPhone/iPad app by 中信银行.)

- Source: https://appshunter.io/ios/app/id422844108 (this page in markdown: same URL + `.md`)
- Developer: [中信银行](https://appshunter.io/developer/422844111)
- Category: Finance, Utilities
- Price: Free
- Rating: 1.80/5 from 228 App Store ratings · 119 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 275 MB
- Languages: Chamorro, Chinese (Simplified, China), American English
- Released: 2011-03-08
- Data updated: 2026-08-30
- User reviews in markdown: https://appshunter.io/ios/app/id422844108/reviews.md

## What is 中信银行?

中信银行 APP 是中信银行为满足客户移动金融需求推出的线上金融服务平台，致力于为客户提供安全、快捷、便利的移动银行使用体验，让用户随时随地掌控金融服务。APP提供包含借记卡、信用卡、转账、投资理财、个人贷款等全品类金融服务，并提供养老规划、出国金融及权益活动等多种增值服务，为客户提供有温度的财富管理服务，践行“让财富有温度”的品牌主张！

中信银行APP 12.0，新开始 更卓越
【美学新主张】视觉全新呈现，体验更显专业。
【财富新征程】黄金理财存款基金，专业配置更省心。
【服务新体验】新客旅程式引导，功能体验全升级。
【消费新主场】信用卡|惠生活，服务更贴心，用卡更便捷。

## What do users think of 中信银行?

Overall sentiment: negative

**Pros**

- 👍 Convenient banking functionality
- 💳 Credit card features available

**Cons**

- 🐛 Frequent crashes and freezes
- ⏱️ Extremely slow loading times
- 🔐 Complex and cumbersome login process
- 🎨 Poor and confusing UI/UX design
- 📱 App becomes unresponsive mid-operation
- 🚫 Forced mandatory updates
- 📢 Intrusive and non-removable advertisements
- 🌐 Persistent network error messages
- 🔄 Automatic logout without warning
- 📊 Missing or unclear account information display
- 🎯 Difficult to find basic features
- ⚠️ Bloated app size (173MB)
- 🔑 Password reset functionality broken
- 👤 Facial recognition feature unreliable
- 🆔 Identity verification system problematic
- 📱 Incompatible with older iOS versions
- 🌍 Poor performance for international users

**Commonly reported bugs**

- App freezes at 'New Start More Excellence' screen
- Login automatically expires within minutes
- Crashes when modifying login password
- Facial recognition causes app crash
- Verification code input field non-functional
- Identity verification circular dependency (expired ID blocks job field update)
- Fingerprint login unresponsive
- Fund purchase records not visible
- Financial returns display unclear after update
- Network error messages appear constantly
- App incompatible with iOS 8 and iPhone 5 resolution
- Cannot link bank card without Chinese ID
- Notification settings cannot be properly disabled
- Payment redirect hijacking (Cloud Flash Pay)
- App crashes on startup with animations enabled

**Most requested features**

- Simplify interface and remove unnecessary features
- Add fingerprint/biometric login support
- Improve fund purchase history visibility
- Add dark mode option
- Reduce app file size
- Support for passport-based identity verification
- Improve facial recognition accuracy
- Better account asset overview on main dashboard
- Optimize for iPad compatibility
- Implement proper notification control settings

## Recent user reviews (10 of 119)

All indexed reviews: https://appshunter.io/ios/app/id422844108/reviews.md

### 1/5 — 广告太多，用户体验差

*2026-07-26, version 12.2.1*

一个破银行APP还要加那么多广告？！开发者还是学学真正国际大银行的APP是怎么做的吧！抄都不会！

### 1/5 — 面容登录失败

*2026-06-30, version 12.2.0*

我是整容了还是怎么了？面容登录失败？？？

### 1/5 — 点开就不动了

*2025-12-29, version 12.0.0*

到“新开始更卓越”那里，就不动了，手机没有异常，网络也没有问题。太差劲了，还更卓越呢？

### 1/5 — 垃圾

*2025-09-10, version 11.7.0*

垃圾

### 1/5 — 垃圾

*2025-06-09, version 11.4.1*

为什么永远都在网络错误？没有线下店，线上APP又永远登不上，怎么换汇？把钱存在中信银行简直是世界上最愚蠢的事情

### 1/5 — 推荐类消息通知无法完全关闭

*2024-09-26, version 10.5.2*

关闭推荐类消息通知照样能收到推送通知，垃圾🗑️

### 2/5 — 登陆太繁琐 不智能

*2024-05-16, version 10.2.0*

换号之后一直显示要用老手机验证登录 还好有人工帮忙解决

### 1/5 — 贱不贱啊

*2023-11-10, version 9.8.1*

强行劫持云闪付支付跳转，你们贱不贱！

### 1/5 — 留子慎重考虑

*2023-10-24, version 9.8.0*

别用zx

### 1/5 — Not useful for non-Chinese nationals

*2023-07-24, version 9.5.0*

Was able to register and set up a password, but could not link the bank card since it needed the Chinese ID.

I guess I can try to resolve it with customer service but don't want to bother. The app is not great anyway based on the other reviews.

## Version history (last 5 releases)

### 12.2.6 — 2026-08-24

1.理财、基金、保险、证券及行情中心等财富类产品优化；
2.跨境支付通、他行卡转入等转账支付类及资产查询等基础服务升级；
3.部分业务流程对接国网认证。

### 12.2.5 — 2026-08-11

1.理财、基金等财富类及信秒贷、惠买房等贷款类产品优化；
2.借记卡申卡、信用卡还款、小信等基础服务升级；
3.手机银行部分业务流程对接国网认证。

### 12.2.2 — 2026-07-27

1、理财、基金、积存金等财富场景体验优化；
2、跨境理财通、收付通、快捷绑卡等支付场景优化；
3、账户、个人信息修改、会员权益等基础服务升级。

### 12.2.1 — 2026-07-06

1、存款、理财、保险、信用卡等幸福+版适老化体验优化；
2、财富、支付、会员、客群服务、基础功能等模块优化升级。

### 12.2.0 — 2026-06-15

1、存款、理财流程体验优化；
2、转账、搜索、新客旅程等基础服务升级。

## Apps similar to 中信银行

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [平安口袋银行-更懂您的智能银行](https://appshunter.io/ios/app/id1085016815) | 4.7 (1,561) | Free | Finance |
| [兴业银行手机银行](https://appshunter.io/ios/app/id433592972) | 4.5 (793) | Free | Finance |
| [浦发银行](https://appshunter.io/ios/app/id471855847) | 4.7 (1,743) | Free | Finance |
| [中国银行](https://appshunter.io/ios/app/id399608199) | 2.0 (612) | Free | Finance |
| [民生银行](https://appshunter.io/ios/app/id523091708) | 2.5 (96) | Free | Finance |
| [中国建设银行](https://appshunter.io/ios/app/id391965015) | 4.0 (2,340) | Free | Finance |

## More apps by 中信银行

- [动卡空间-中信银行信用卡](https://appshunter.io/ios/app/id487967179)
- [中信银行全付通](https://appshunter.io/ios/app/id1092441327)
- [信汇投资](https://appshunter.io/ios/app/id1169916100)
- [信e付](https://appshunter.io/ios/app/e/id1203620287)
- [企业移动银行](https://appshunter.io/ios/app/id1369631529)

All apps by 中信银行: https://appshunter.io/developer/422844111

## Related topics

[zhongxin](https://appshunter.io/ios/topics/zhongxin)

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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 2026-08-30.*