Comparison

现金宝 vs 中欧财富

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

Head to head
About

现金宝

This platform offers a comprehensive investment account for managing wealth. It provides access to a wide range of fund products, flexible cash withdrawal options, and personalized AI-driven financial content. Professional financial advisors are also available for support.

Highlights
  • Diverse fund selection (money, bond, equity, QDII)
  • Flexible cash withdrawal up to 100,000 RMB daily
  • AI-powered content with customizable voice
  • Professional financial advisor support
  • Online and offline integrated investment services
Features
Read full description

现金宝,更懂你的财富管家! 汇添富财富打造的互联网理财账户! 【公司介绍】 汇添富基金销售(上海)有限公司是汇添富基金100%全资持股的专业持牌子公司,2026年正式展业。承袭母公司近二十年财富管理深厚积淀,具备线上线下一体化全覆盖的投资服务体系,以深度品牌信任为纽带,打造懂资产、更懂你的财富管理生态。 公司核心业务聚焦公募证券投资基金销售,依托母公司行业积淀与专业体系,搭建全市场优质基金销售服务平台,采用线上线下一体化的业务开展模式,构建了覆盖财富管理全链条的专业化服务体系。 【产品优势】 * 产品线丰富:精选全市场基金,涵盖货币、债券、权益、QDII等全品类,满足您不同理财需求; * 资金周转灵活:现金宝单日快取额度提升至10万元,更好地提升流动性。 * 温暖陪伴常在:全新AI阵地,重构“播报式”内容体系,支持用户自定义克隆专属语音。用最爱的声音,听最AI的财富事,另有专业理财师与客户经理团队随时响应,伴您一路前行。 【联系我们】 官方网站:https://www.htfwm.com 官方微信:微信公众号关注“汇添富基金” 客服热线:400-888-9918 (基金有风险,投资需谨慎) 风险提示: 升级后您原有的汇添富基金直销资产将转托管至汇添富基金销售(上海)有限公司,销售机构会发生变更,但所持有基金的基金管理人不变更,个人养老金基金份额、基金美元份额等业务仍保留在汇添富基金。升级申请一经受理,不支持撤销。快速取现为增值服务,T+0到账、当天无收益,升级后现金宝账户快取实质为货币优选投顾策略快速赎回交易,单客户单自然日单只货币基金快取限额1万元,日累计快取最高10万元,依约可暂停,请提前做好资金安排并阅读相关服务协议。基金有风险,投资须谨慎。投顾服务/策略由汇添富基金提供,汇添富销售仅作为代销机构提供基金销售和交易支持。

About

中欧财富

This app offers a wide range of investment products and services from over 100 fund companies. It provides tools for fund selection, investment advice, and cash management, backed by the experience of a reputable fund management company.

Highlights
  • Diverse fund products
  • Fund investment advisory
  • Cash management services
  • Fund selection tools
  • Professional investment strategies
  • Over 100 fund companies
Features
Read full description

中欧财富是中欧基金旗下独立APP,前身为中欧钱滚滚。提供活期、基金、养老、高端等多种产品,及基金定投、基金投顾等投资理财服务。精选富国、天弘、南方、博时、易方达、广发、华夏等超100基金公司的股票基金、混合基金、指数基金、债券基金等理财产品,解决你的选基困难症! 中欧基金成立于2006年,16年公募基金管理经验,八度蝉联金牛基金公司(颁奖时间2015-2022,中国证券报颁发),长期业绩优异。2020年4月,中欧基金子公司中欧钱滚滚更名为中欧财富。 【活钱管理】超级滚钱宝,买卖0手续费,快取额度每日最高8万,购基0折起 【品类丰富】覆盖超100家基金公司的货币、债券、股票、指数、FOF等基金 【中欧财富投顾】全市场选基、专业策略提供。针对不同需求,定制投顾组合策略 【超多投资工具】股债性价比、基金诊断、行业估值、持仓透视等 客服电话:400-100-2666 *基金有风险,投资需谨慎 注:因持有人授权账户中成份基金占比每日波动且持仓净资产不同,因此单人单日单渠道快速赎回额度可能有所不同。如遇调仓、成份基金暂停申赎等情况,快赎额度也可能发生变化,具体以快速赎回时前端展示为准。

Screenshots

现金宝4 screens
中欧财富4 screens

Verdict

The call

The clearest difference is rating: 中欧财富 at 3.5 against 现金宝's 1.7. 中欧财富 also leads on review sentiment (33% vs 0%). On price, ratings volume, update cadence and ads 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.

ReceptionRating · Positive reviews · Number of ratings

中欧财富 holds the better App Store score, 3.5 against 1.7. Both are backed by a comparable volume of ratings — 7 and 6 respectively. Written reviews point the same way: 0% of 现金宝's written reviews are positive against 33% of 中欧财富's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 4 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
现金宝 versus 中欧财富: the parameters behind the verdict, then further details
Parameter现金宝中欧财富
PriceFreeFree
Rating1.7 (7 ratings)3.5 (6 ratings) — better
Positive reviews0.0% of reviews33.3% of reviews — better
Number of ratings7 — better6
Update frequencyEvery 4 weeksEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size218 MB169 MB
Age rating4+12+
Developer汇添富基金销售(上海)有限公司上海中欧财富基金销售有限公司

Customer experience

现金宝

All ratings7 ratings
Positive14.3%
Neutral0.0%
Negative85.7%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

中欧财富

All ratings6 ratings
Positive50.0%
Neutral33.3%
Negative16.7%
Written reviews3 reviews
Positive33.3%
Neutral66.7%
Negative0.0%

In-app purchases

None

现金宝

No in-app purchases

None

中欧财富

No in-app purchases

Questions

Is 现金宝 free?
现金宝 is free to download, with no in-app purchases.
Is 中欧财富 free?
中欧财富 is free to download, with no in-app purchases.
Which has better reviews, 现金宝 or 中欧财富?
中欧财富 is rated higher. 现金宝 averages 1.7 out of 5 from 7 ratings, while 中欧财富 averages 3.5 from 6 ratings.
Do 现金宝 or 中欧财富 have ads?
Neither 现金宝 nor 中欧财富 shows ads.
Which is updated more often, 现金宝 or 中欧财富?
现金宝 ships an update every 4 weeks, and 中欧财富 every 4 weeks. Most recently, 现金宝 was updated on November 6, 2026 and 中欧财富 on November 3, 2026.

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