# 网商银行 vs 工银e生活

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.

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.

## The numbers

| Metric | 网商银行 | 工银e生活 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (46 ratings)](https://appshunter.io/ios/app/id1012867463/reviews) | **[2.8 (13K ratings)](https://appshunter.io/ios/app/e/id1044166783/reviews)** |
| Number of ratings | 46 | **13K** |
| Positive reviews | **64.9% of reviews** | 34.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free | Free |
| Size | 226 MB | 307 MB |
| Requires iOS | 13 | **11.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Zhejiang E-Commerce Bank Co.Ltd](https://appshunter.io/developer/1012867462) | [Industrial and Commercial Bank of China](https://appshunter.io/developer/404569366) |

## What reviewers say

### 网商银行

[App page](https://appshunter.io/ios/app/id1012867463)

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.

**Highlights:** Loan services, Wealth management, Bank deposits, Efficient financial services, Convenient platform

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 工银e生活

[App page](https://appshunter.io/ios/app/e/id1044166783)

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.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 网商银行 free?

网商银行 is free to download, with no in-app purchases.

### Is 工银e生活 free?

工银e生活 is free to download, with no in-app purchases.

### Which has better reviews, 网商银行 or 工银e生活?

工银e生活 is rated higher. 网商银行 averages 2.5 out of 5 from 46 ratings, while 工银e生活 averages 2.8 from 13K ratings.

### Do 网商银行 or 工银e生活 have ads?

Neither 网商银行 nor 工银e生活 shows ads.

### Which is updated more often, 网商银行 or 工银e生活?

网商银行 ships an update fortnightly, and 工银e生活 monthly. Most recently, 网商银行 was updated on September 22, 2026 and 工银e生活 on September 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*