Comparison

Hang Seng Personal Banking vs 富蘭克林 國民e帳戶

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Hang Seng Personal Banking

Manage your personal finances, make payments, and access investment services securely. Open accounts, deposit checks, and even get cash without an ATM card. Enjoy personalized notifications and 24/7 support.

Highlights
  • Mobile account opening
  • Real-time transfers and bill payments
  • Secure login with biometrics
  • Mobile cheque deposit
  • Cash withdrawal without ATM card
  • Personalized user interface
  • 24/7 Live Chat and Virtual Assistant
Read full description

Bringing you comprehensive mobile banking features and services to meet your personal banking needs, such as account opening, payment, personal finance and investment in an easy and safe way. Download it now! Everyday banking made simple • Open a bank account at ease with your mobile • Check all your account balances in one go • Make real-time transfer and pay bills easily via FPS • Log on securely and verify transactions using Mobile Security Key and Biometric Authentication • Deposit Hong Kong Dollar cheques without going to the branch or cheque deposit machines • Save time and get cash securely with our App instead of physical ATM card at Hang Seng or HSBC ATMs Enhanced banking experience personalised to you • Personalise your own user interface to access frequently-used functions faster • Receive personalised push notification updates for your account activities such as FPS inward payment and credit card payment due reminder • Get a ticket before arriving at our branch for counter services to save waiting time • Get support 24/7 for all your banking queries with our Live Chat and Virtual Assistant HARO Access to banking products with ease • View the latest market information on securities, FX / precious metal and funds to help you make informed financial decisions • Invest at ease in securities, funds, bonds and more with our user-friendly interface • Manage your credit cards in one place, where you can repay credit card, check rewards, view e-Statements and apply for instalment loan • Place time deposits, buy / sell foreign currencies quickly and conveniently FPS (Faster Payment System) is a real-time payment platform provided by Hong Kong interbank Clearing Limited. This App is provided by Hang Seng Bank Limited (“Bank” or “we”). The Bank is regulated and authorised to carry out banking activities in Hong Kong SAR. The products and services represented within this App are intended for Hong Kong customers. This App is not intended for distribution, download or use by any person in any jurisdiction, country or region where the distribution, download or use of this material is restricted and would not be permitted by law or regulation. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available through this App in the country or region you are located or resident in. Hang Seng of 83 Des Voeux Road, Central, Hong Kong is incorporated in Hong Kong with limited liability and is a licensed bank regulated by the Hong Kong Monetary Authority. Please be aware that Hang Seng isn’t authorised or licensed in any other jurisdiction for the provision of the services and/or products available through this App. This App shouldn’t be considered as communicating any invitation or inducement to engage in banking, lending, investment or insurance activity or any offer, solicitation or recommendation to buy and sell securities or other instruments or to buy insurance outside Hong Kong. The information provided through this App is not intended for use by persons located in or resident in jurisdictions where the distribution of such material may be considered marketing or promotional and where that activity is restricted.

About

富蘭克林 國民e帳戶

This app simplifies mutual fund investing, allowing users to open accounts, select funds, and manage investments easily. It offers personalized investment portfolios, market insights, and access to financial advisors.

Highlights
  • Quick account opening in 3 minutes
  • Extensive fund selection with easy filtering
  • Automated investment portfolio with robot advisor
  • 24/7 online customer service and digital advisors
  • Daily market trend analysis and news summaries
  • Access to market videos and reports
Features
Read full description

【專屬基金理財好幫手,一個APP在手,隨時投資全世界】 富蘭克林·國民e帳戶的三大特色,讓每位國民們一機在手,就能聰明存基金: 一、國民的理財起手式 只要準備好手機、雙證件,想要設定的扣款銀行帳戶號碼,花3分鐘的時間就能完成開戶申請。透過網銀開戶,最快還能早上開戶,下午就能下單,富蘭克林讓你開戶免出門,時時刻刻都不錯過投資好時機。 二、國民的基金理財: 【好基金哪裡找】選基金還在茫茫基海中尋尋覓覓嗎? 三十年在地品牌的好口碑,基金產品線完備,讓國民可依據自己的需求靈活配置投資,簡單方便的篩選介面,快速在APP上就能一指找到符合自己需求的基金。 【好基金哪裡買】 買基金不用先學介面怎麼用,國民e帳戶APP一指就能下單,帳戶管理一目瞭然。 選基金不知道如何下手?就交給「國民理財機器人」就好,提供量身打造的基金投資組合,24小時為你監控市場並提供調整建議,不管老手新手都能夠簡單存基金,輕鬆做到資產配置。 【好基金哪裡問】不懂基金沒人問? 真人數位理財顧問+24小時線上客服,讓國民投資好安心,理財問題隨時問,富蘭克林陪你暖心投資,由專業顧問提供諮詢服務,解決國民理財的大小事。 三、國民的投資利器: 每日提供最新市場趨勢,帶你秒懂國際金融動態,透過每日時事摘要、分析報告、市場影音,讓國民用多元豐富的方式了解市場動向,市場資訊時刻不漏接。 想知道如何聰明存基金?請見富蘭克林官網https://www.franklin.com.tw 國民的基金客服專線:0800-885-888 富蘭克林證券投資顧問(股)公司 114金管投顧新字第018號 | 富蘭克林證券投顧獨立經營管理 台北市忠孝東路四段 87 號 8 樓 ●為提供您更優質的交易服務,富蘭克林·國民e帳戶APP支援IOS 13.0(含)以上的作業系統 ,請盡速更新作業系統體驗更好的國民e帳戶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 ●各優惠與活動內容依富蘭克林基金理財官網公告為主。 ●本基金經金融監督管理委員會核准或申報生效在國內募集及銷售,惟不表示絕無風險。基金經理公司以往之經理績效不保證基金之最低投資收益;基金經理公司除盡善良管理人之注意義務外,不負責本基金之盈虧,亦不保證最低之收益,投資人申購前應詳閱基金公開說明書。

Screenshots

Hang Seng Personal Banking4 screens
富蘭克林 國民e帳戶4 screens

Verdict

The call

The clearest difference is review sentiment: 富蘭克林 國民e帳戶 at 61% against Hang Seng Personal Banking's 5%. 富蘭克林 國民e帳戶 also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Hang Seng Personal Banking ships an update every 3 weeks, 富蘭克林 國民e帳戶 every 5 weeks. The most recent releases landed on October 16, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
Hang Seng Personal Banking versus 富蘭克林 國民e帳戶: the parameters behind the verdict, then further details
ParameterHang Seng Personal Banking富蘭克林 國民e帳戶
PriceFreeFree
Rating1.8 (90 ratings) — better—
Positive reviews5.1% of reviews60.7% of reviews — better
Number of ratings90 — better—
Update frequencyEvery 3 weeks — betterEvery 5 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size761 MB75 MB
Age rating4+4+
DeveloperHang Seng Bank Limited富蘭克林證券投資顧問股份有限公司

Customer experience

Hang Seng Personal Banking

All ratings90 ratings
Positive17.8%
Neutral2.2%
Negative80.0%
Written reviews175 reviews
Positive5.1%
Neutral6.9%
Negative88.0%

富蘭克林 國民e帳戶

Written reviews28 reviews
Positive60.7%
Neutral14.3%
Negative25.0%

Bugs and requests

Hang Seng Personal Banking

Reported bugs

18 issues
  • App crashes on opening
  • Login errors blaming user's network
  • Verification emails delayed or expired
  • Cannot find PIN and username within the app
  • App requires update almost every time it's opened
Show 13 more
  • Update process is slow and cannot be done in background
  • App freezes on loading screen
  • App crashes after updates
  • Authenticator is useless and logs out users
  • Security device is a nightmare
  • Lost digital secure key after deleting app
  • App not working outside HK
  • Cannot make payments to American Express cards
  • Easypay not under transfer
  • No return buttons on subpages
  • Cannot find search button
  • App requires phone OS update to update itself
  • System unavailable errors

Requested features

6 requests
  • Allow local USD transfers
  • Improve overseas accessibility
  • Provide better online assistance
  • Allow using old complex passwords
  • Add Touch ID support
Show 1 more
  • Add exchange rates without login

富蘭克林 國民e帳戶

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Hang Seng Personal Banking

No in-app purchases

None

富蘭克林 國民e帳戶

No in-app purchases

Questions

Is Hang Seng Personal Banking free?
Hang Seng Personal Banking is free to download, with no in-app purchases.
Is 富蘭克林 國民e帳戶 free?
富蘭克林 國民e帳戶 is free to download, with no in-app purchases.
Do Hang Seng Personal Banking or 富蘭克林 國民e帳戶 have ads?
Hang Seng Personal Banking shows ads; 富蘭克林 國民e帳戶 does not.
Which is updated more often, Hang Seng Personal Banking or 富蘭克林 國民e帳戶?
Hang Seng Personal Banking ships an update every 3 weeks, and 富蘭克林 國民e帳戶 every 5 weeks. Most recently, Hang Seng Personal Banking was updated on October 16, 2026 and 富蘭克林 國民e帳戶 on October 12, 2026.

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