# Richart

> All-in-one digital banking app for savings, investments, payments, and loans. (iPhone/iPad app by Taishin International Bank Co.,Ltd..)

- Source: https://appshunter.io/ios/app/richart/id1079733142 (this page in markdown: same URL + `.md`)
- Developer: [Taishin International Bank Co.,Ltd.](https://appshunter.io/developer/388917173)
- Category: Finance, Business
- Price: Free
- Rating: 3.60/5 from 105 App Store ratings · 69 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 199 MB
- Languages: Chinese (Traditional, Taiwan)
- Released: 2016-03-02
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/richart/id1079733142/reviews.md

## What is Richart?

最多人使用的數位銀行！
榮獲德國紅點設計大獎…等國內外80個獎項肯定

全新便利的金融服務All in Richart↓
立刻下載Richart，存款、刷卡、轉帳、換匯、投資、繳費、貸款，一個APP全搞定
*各優惠與活動內容依Richart官網公告為主。

Richart的特色：

一、線上開戶／預約開戶申請超容易，軟爛在家也可以！只要準備好手機與雙證件，花10分鐘就能完成申請。

二、交易投資不費力：
【任意轉】聚餐分帳還在掏零錢？Richart一秒神轉帳
只要輸入朋友的手機號碼或email，不必掏零錢即可輕鬆付錢，收錢不尷尬，聚餐皆大歡喜～

【換匯快狠準】幫你賺更多，還有外幣存款享高利！
Richart不只能即時看匯，還有到價通知、匯率試算等貼心功能，讓你以簡單快速的方式，換到最划算的價格！再享多國外幣活存、定存高利，喜上加喜～

【投資10元起】銅板就能拼經濟，還有「理查投組」！
最低只要NT10元就能購買Richart的基金投資組合，還能一眼追蹤投資報酬率，讓基金投資像遊戲一般，簡單又有趣。另外還有「理查投組」，交給理查選，客製化你的投資組合，為你監控市場和提供調整建議，入門新手也能輕鬆上手～

【聰明記帳與繳費】記帳超佛系，繳費不動腳
電話費、治裝費、聚餐費……Richart APP都幫你牢記，還自動幫你分析收支明細，輕鬆了解自己的金錢流向！更棒的是，在家就能繳電信費、卡費、水費、電費，輕鬆掌握每一筆金流動向，很難不歡喜～

還沒完還沒完～除了存款、超優投資手續費等優惠，每月送你跨提跨轉各5次免手續費，全台還有超過3000部台新ATM，走到哪都能和Richart一起享受存錢的喜悅～

想了解更多？請見Richart官網https://richart.tw。
Richart 24小時客服專線 (02)8798-9088 / 0800-888-800 (限市話)

========== For Foreigner Users ===========
Foreigners can now open a Richart account (If you hold a Resident Certificate(ARC))!
Visit Richart's exclusive website designed for you ( https://richart.tw (click foreigner account)) and you can open an saving account within 5 mins!
The process is super easy and fast! Count on Richart for all banking needs in Taiwan!
You will need to download Richart app to authenticate NTD and multiple currency transfer transactions.
If you need any help, you can reach out to Richart 24 hour customer service: (02)8798-9088/ 0800-888-800 (press 3 for English service)
Richart外國人帳戶上線拉! 持有效長期居留證即可開戶!
前往專屬網頁版網頁(https://richart.tw (foreigner account按鈕))，線上5分鐘內完成開立數位帳戶，簡單又方便!
開戶完成後，可以下載APP做台外幣轉帳交易驗證，安全又快速!
若有任何問題，可以找我們唷~ Richart 24小時客服專線: (02)8798-9088/ 0800-888-800 (按3英文服務)

●總費用年百分率：
Richart信貸：總費用年百分率：4.12% - 16.39%
備用金：總費用年百分率：3.99% - 13.99%
新車貸款：總費用年百分率：3.25% - 6.21%
中古車貸款：總費用年百分率：4.41%~12.22%
原車融資貸款：總費用年百分率：6.71% - 13.22%
正確年百分率請參考Richart官網
●基金投資具投資風險，投資人申購前應詳閱基金公開說明書。
●承作外幣如涉及幣別轉換可能有匯兌損失，申請人應審慎考量評估，自行決定是否承作。
●為提供更優質的交易服務，Richart 目前僅支援 iOS 13.0 (含)以上的版本，請盡速更新作業系統以利繼續使用Richart APP服務喔！
●提醒您：為確保您的帳務安全，請於行動裝置安裝防護軟體

## Key features

- Online account opening
- Instant money transfers
- Currency exchange with real-time rates
- Low-minimum fund investments
- Automated expense tracking
- In-app bill payments
- Fee-free ATM withdrawals and transfers

## Recent user reviews (10 of 69)

All indexed reviews: https://appshunter.io/ios/app/richart/id1079733142/reviews.md

### 3/5 — 一直更新

*2026-02-13*

為何每次回饋都在更新，都不知道還可以轉帳幾次

### 1/5 — 垃圾軟體

*2025-05-17*

要更新資料也無法正常使用？
最基本的系統都寫不好，還想賺民眾的錢

**Developer response:** Richart團隊非常重視你的使用體驗，為正確了解你遇到的問題及使用狀況，建議致電Richart客服專線02-8798-9088或至Richart留言板留言https://richart.tw/TSDIB_RichartWeb/RC04/RC040200 ，將由本行專人為你處理。Richart也會繼續努力優化服務，謝謝你的耐心與支持！

### 3/5 — 越改越慢

*2025-04-02*

雖然說明有說更新後第一次開啟會需要一點時間載入
但…都已經載入好多次了，好像比上一版的更慢了
總覽按下後要等圈圈轉兩次
真的會讓用戶很不耐煩
每次操作都要等7秒，希望能改善

**Developer response:** 謝謝你的支持，針對緩慢狀況反映，Richart已積極進行監控，並評估優化機制！為正確了解你遇到的問題及使用狀況，建議致電Richart客服專線02-8798-9088或至Richart留言板留言https://richart.tw/TSDIB_RichartWeb/RC04/RC040200 ，將由本行專人為你處理。

### 4/5 — 超級慢

*2025-02-05*

每次開這個app都要等很久 點各種功能也都要載入超久😩

**Developer response:** Richart團隊非常重視你的使用體驗，為正確了解你遇到的問題及使用狀況，建議致電Richart客服專線02-8798-9088或至Richart留言板留言https://richart.tw/TSDIB_RichartWeb/RC04/RC040200 ，將由本行專人為你處理。Richart也會繼續努力優化服務，謝謝你的耐心與支持！

### 1/5 — 永遠經常登不入，說人數過多，爛透的台新

*2025-01-26, version 3.9.7*

台新有本事吸收那麼多Richart 客人及存款；卻經常登不入，說人數過多，不願意花錢改善系統或租更大伺服器，真的是爛透的台新，考慮把錢全數轉走

Update2: 台新IT 如同領死薪水的公務員，只會回覆請客人更新app; 早就永遠是最新版的，最新機型iPhone 及iOS 還是永遠一様，肯定不是我的問題，去各論壇大家駡聲不斷，把Richart 錢及vip 帳戶錢全移出台新了，你們慢慢再回制式公文吧

### 1/5 — 慢到爆

*2025-01-21, version 3.9.7*

用過有史以來最慢，載入最久，最難用的app，任何一個點擊動作至少要等10秒以上。像在用20年前、記憶體又滿的電腦

### 1/5 — 跑有夠慢

*2025-01-05, version 3.9.5*

真的跑很慢⋯⋯⋯⋯用到快生氣了啦！

### 1/5 — 永遠經常登不入，說人數過多，爛透的台新

*2024-12-27*

台新有本事吸收那麼多Richart 客人及存款；卻經常登不入，說人數過多，不願意花錢改善系統或租更大伺服器，真的是爛透的台新，考慮把錢全數轉走

**Developer response:** Richart已於1/6推出最新版本並修復登入問題，建議可先更新APP至最新版本，若仍無法登入，為正確了解你的手機型號與使用狀況，建議致電Richart客服專線02-8798-9088或至Richart留言板留言https://richart.tw/TSDIB_RichartWeb/RC04/RC040200 ，將由本行專人為你處理。Richart也會繼續努力優化服務，謝謝你的耐心與支持！

### 1/5 — 經常登不入，說人數過多，爛透的台新

*2024-12-18*

台新有本事吸收那麼多Richart 客人及存款；卻經常登不入，說人數過多，不願意花錢改善系統或租更大伺服器，真的是爛透的台新，考慮把錢全數轉走

### 1/5 — 請開放使用手機的生物辨識

*2024-10-22, version 3.8.0*

每次進app都ㄧ定要輸入密碼，生物辨識這麼成熟了，Richard Life也都可以使用生物辨識了，不懂為什麼Richard就是不開放😡

## Frequently asked questions about Richart

### What does the Richart app do?

The Richart app is a comprehensive digital banking platform that allows users to manage their finances easily. It supports online account opening, savings, card transactions, money transfers, currency exchange, investments starting from a low amount, bill payments, and loan applications, all within a single application.

### What are the key features of Richart?

Key features include a quick and easy online account opening process, instant money transfers via phone number or email, currency exchange with real-time rates and notifications, low-minimum fund investments with portfolio tracking, smart expense tracking and analysis, and the ability to pay bills directly through the app. It also offers free ATM withdrawals and transfers.

### Is Richart free to use?

The Richart app itself is free to download and use. While there are no direct costs for using the core banking services, users should be aware of potential fees associated with specific financial products like loans or certain investment transactions, which are detailed on the Richart official website.

### What are the compatibility requirements for the Richart app?

To ensure optimal performance and security, Richart currently supports iOS versions 13.0 and above. Users are encouraged to update their operating system to the latest version to continue using the app's services without interruption.

### Who is Richart suitable for?

Richart is designed for individuals who want a modern and convenient way to manage their banking needs. It's particularly useful for those who prefer online services, want to easily track their spending, make quick transfers, engage in low-cost investments, and handle bill payments from their mobile device.

## Version history (last 5 releases)

### 3.14.70 — 2026-01-26

還沒加入台新Richart？2026超優方案來啦 ！
2025/12/1起開戶的新朋友，至2026/6可享最高優利子帳戶10萬元以內3.5%，越早開戶越早享受優利！
已持有台新Richart帳戶的好朋友們，完成任務即享優利子帳戶限額30萬元以內1.8%，存越多利息越多！

*詳細活動內容詳見台新Richart官網

### 3.14.67 — 2026-01-14

還沒加入台新Richart？2026超優方案來啦 ！
2025/12/1起開戶的新朋友，至2026/6可享最高優利子帳戶10萬元以內3.5%，越早開戶越早享受優利！
已持有台新Richart帳戶的好朋友們，完成任務即享優利子帳戶限額30萬元以內1.8%，存越多利息越多！

*詳細活動內容詳見台新Richart官網

### 3.14.65 — 2026-01-05

還沒加入台新Richart？2026超優方案來啦 ！
2025/12/1起開戶的新朋友，至2026/6可享最高優利子帳戶10萬元以內3.5%，越早開戶越早享受優利！
已持有台新Richart帳戶的好朋友們，完成任務即享優利子帳戶限額30萬元以內1.8%，存越多利息越多！

*詳細活動內容詳見台新Richart官網

### 3.14.6 — 2025-12-30

還沒加入台新Richart？2026超優方案來啦 ！
2025/12/1起開戶的新朋友，至2026/6可享最高優利子帳戶10萬元以內3.5%，越早開戶越早享受優利！
已持有台新Richart帳戶的好朋友們，完成任務即享優利子帳戶限額30萬元以內1.8%，存越多利息越多！

*詳細活動內容詳見台新Richart官網

### 3.14.5 — 2025-12-16

還沒加入台新Richart？2026超優方案來啦 ！
2025/12/1起開戶的新朋友，至2026/6可享最高優利子帳戶10萬元以內3.5%，越早開戶越早享受優利！
已持有台新Richart帳戶的好朋友們，完成任務即享優利子帳戶限額30萬元以內1.8%，存越多利息越多！

*詳細活動內容詳見台新Richart官網

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## More apps by Taishin International Bank Co.,Ltd.

- [台新銀行【行動銀行】](https://appshunter.io/ios/app/id388917170)
- [Richart Life](https://appshunter.io/ios/app/richart-life/id1185371908)
- [台新行動企金網](https://appshunter.io/ios/app/id1605905749)

All apps by Taishin International Bank Co.,Ltd.: https://appshunter.io/developer/388917173

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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.*