网商银行 vs 工银e生活
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
网商银行
This internet bank offers efficient and convenient financial services, aiming to support the real economy and practice inclusive finance. It provides a one-stop platform for loans, wealth management, and bank deposits.
- Loan services
- Wealth management
- Bank deposits
- Efficient financial services
- Convenient platform
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浙江网商银行是经中国原银保监会批准设立的互联网银行，于 2015 年 6 月 25 日正式开业。网商银行以支持实体经济、践行普惠金融为使命，希望做互联网银行的探索者和普惠金融的实践者，为用户提供高效、便捷的金融服务
工银e生活
This app offers a comprehensive lifestyle service platform for personal banking customers. Discover local dining, shopping, and leisure deals, enjoy interest-free installments, and use points like cash. Access convenient financial services like one-click repayment and credit limit increases.
- Local dining, leisure, and shopping deals
- Interest-free installment plans
- Points redemption for purchases
- One-click repayment
- Transaction history and credit limit management
- Access to banking rights and benefits
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工银e生活APP是中国工商银行个人客户生活服务平台。这里有您身边的美食、休闲、购物优惠、好物免息分期。这里有您需要的轻简金融服务，一键还款、明细查询、提升额度、查领权益。致力于服务您的身边生活，满足您的消费融资需求。这里汇集丰富的生活场景，让美好生活触手可及！
Screenshots
Verdict
The clearest difference is review sentiment: 网商银行 at 65% against 工银e生活's 34%. 网商银行 also leads on update cadence (fortnightly vs monthly). 工银e生活's advantage is ratings volume (13K vs 46) and rating (2.8 vs 2.5). 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.
工银e生活 holds the better App Store score, 2.8 against 2.5. That said, the two scores are not equally well evidenced: 工银e生活 has 13K ratings behind it against 46, so its average is the more settled of the two. Written reviews complicate that: 65% of 网商银行's written reviews are positive against 34% of 工银e生活's, so the app with the better star average is not the one people write more warmly about.
网商银行 ships an update fortnightly, 工银e生活 monthly. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.
| Parameter | 网商银行 | 工银e生活 |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (46 ratings) | 2.8 (13K ratings) — better |
| Positive reviews | 64.9% of reviews — better | 34.4% of reviews |
| Number of ratings | 46 | 13K — better |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13 | 11.0 — better |
| Further details — not scored | ||
| Size | 226 MB | 307 MB |
| Age rating | 4+ | 17+ |
| Developer | Zhejiang E-Commerce Bank Co.Ltd | Industrial and Commercial Bank of China |
Customer experience
网商银行
工银e生活
In-app purchases
网商银行
No in-app purchases
工银e生活
No in-app purchases
