Richart Life vs 國泰證券
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Richart Life
Manage your finances and lifestyle with integrated services. Access credit card information, loyalty points, and mobile payments all in one place. Enjoy seamless transactions and exclusive offers for a convenient daily life.
- Integrated lifestyle and financial services
- Mobile payment with Taishin PAY
- Loyalty point redemption
- Credit card management and payments
- Real-time transaction notifications
- Exclusive discount coupons
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我們持續優化各項服務的使用介面，除了既有的信用卡相關服務，新增生活圈服務串聯、台新Point點數查兌、台新PAY行動支付等服務，將生活再升級！/立刻下載台新Richart Life，體驗台新銀行生活金融生態圈。 Richart Life特色說明： 1.生活金融無界限 串聯生活圈中的各項優惠、點數查兌、行動支付等多項功能，一手掌握個人日常服務，提供全方位的便利生活！ 2.支援台新PAY支付功能 台新信用卡/簽帳金融卡就能一鍵輕鬆綁定，購物不再需要掏出錢包，使用手機輕鬆結帳! 3.點數隨手兌 台新Point/台新Point(信用卡)想換就換，屬於你的好康，就是不讓你錯過。 4.信用卡相關服務 信用卡查帳超方便，另可進行繳費/分期理財等服務。 5.消費通知最即時 刷卡不限金額筆筆通知，確保交易安全。 6.優惠券好康 刷卡優惠隨時查，領券即享優惠，好康不錯過。 如您於本行尚未留存Email或留存Email格式有誤，請撥打台新客服更新02)2655-3355。 為保障您的使用安全，建議您應於行動裝置上安裝防毒軟體，以偵測行動裝置是否有疑似遭破解或重大漏洞未修復等情形
國泰證券
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1.年輕人最愛券商 榮獲社群票選「年輕人最愛券商」，每3位年輕投資人就有超過一位在國證開戶 2.費用超低 美股單筆交易無低消、台美定期投資都超划算，省錢投資不是夢 3.秒速開戶 三步驟、五分鐘，台美股雙投資帳戶一次搞定 4.報價超齊全 台/美/港/ETF 通通有，還能選深色/淺色模式，怎麼看都順眼 5.定期投資好幫手 近四成用戶選擇國泰證券做定期投資，還有「智慧加減碼」+「股息再投入」功能，懶人也能聰明投資 6.圖像化庫存總覽 整合台/美/港/日/債券/SN，庫存圖像化呈現，一秒掌握投資全貌 7.股票貸款救急神器 三分鐘快速撥款，24 小時服務，無痛救援短期資金缺口 8.股票出借新選擇 出借手上庫存，讓閒置資產有機會產生收益 提醒您：為確保您的帳務及交易安全，請於行動裝置安裝防護軟體
Screenshots
Verdict
The clearest difference is review sentiment: 國泰證券 at 100% against Richart Life's 17%. 國泰證券 also leads on rating (4.9 vs 1.9) and update cadence (weekly vs every 4 weeks). Richart Life's advantage is ads (none vs shown) and iOS requirement (13.0 vs 15.0). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
國泰證券 holds the better App Store score, 4.9 against 1.9. Both are backed by a comparable volume of ratings — 21 and 11 respectively. Written reviews point the same way: 17% of Richart Life's written reviews are positive against 100% of 國泰證券's.
Richart Life ships an update every 4 weeks, 國泰證券 weekly. Both last shipped on November 6, 2026.
| Parameter | Richart Life | 國泰證券 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (21 ratings) | 4.9 (11 ratings) — better |
| Positive reviews | 17.1% of reviews | 100.0% of reviews — better |
| Number of ratings | 21 — better | 11 |
| Update frequency | Every 4 weeks | Weekly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 250 MB | 258 MB |
| Age rating | 4+ | 4+ |
| Developer | Taishin International Bank | Cathaysec Securities Corporation |
Customer experience
Richart Life
國泰證券
In-app purchases
Richart Life
No in-app purchases
國泰證券
No in-app purchases
