CBiBank vs Happy Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CBiBank
Open an international bank account online with this service, offering a transparent fee structure and robust account protection. Access multi-currency accounts and dedicated support in multiple languages for global financial needs.
- 100% online bank opening
- Transparent fee structure
- Account protection system
- Offshore expert services
- Multi-currency accounts
- Multi-language support
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•CB International Bank is an International Financial Entity (IFE), established under the International Financial Entities Act of the Commonwealth of Puerto Rico (Act 273/2012), United States of America. •CB International Bank is audited and regulated by the office of Commissioner of Financial Institutions of Puerto Rico (OCIF), a full member of the US Federal Reserve System. •We are an institutional member of the ABA, SWIFT, UNIONPAY, Cross-border RMB Clearing (CIPS) and many other organizations. •SWIFT CODE: CBLBPRSJ •ABA: ：021508125 Easy and Fast *100% online bank opening procedure within 14 business days No Hidden Fees *Transparent fee structure to save your money and time Account protection System No amount freezing and closing risk that keeps your account safe Offshore expert Bank Account opening service for 99+ Jurisdiction, accept the directors and shareholders from 100 countries Wide scope business activities Supporting investment and finical purpose and consulting service Dedicated multi-language support in real-time English, Chinese (Mandarin), Cantonese, Spanish, Portuguese and Hindi Multiple- Currency Account Multiple currency account supporting USD, EUR, GBP, HKD, JPY, CAD and CNH
Happy Pay
This mobile payment app allows users to make and receive payments anytime, anywhere, with funds arriving 24/7. It ensures secure transactions, funds, and information for merchants, offering comprehensive and convenient mobile acquiring services.
- 24/7 instant fund arrival
- Secure merchant transactions
- Convenient mobile acquiring
- Real-time payment processing
- Comprehensive financial services
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Happy Pay是一款全新移动支付APP，以实现随时、随地进行收付款、7*24小时及时到账，保障商户交易安全、资金安全、信息安全，为用户提供便捷全面的移动收单服务。
Screenshots
Verdict
The clearest difference is review sentiment: CBiBank at 80% against Happy Pay's 7%. Happy Pay's advantage is rating (4.9 vs 4.6) and iOS requirement (9.0 vs 13.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Happy Pay holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 93 and 35 respectively. Written reviews complicate that: 80% of CBiBank's written reviews are positive against 7% of Happy Pay's, so the app with the better star average is not the one people write more warmly about.
CBiBank ships an update every 6 weeks, Happy Pay every 3 weeks. The most recent releases landed on September 13, 2026 and July 12, 2026 respectively.
| Parameter | CBiBank | Happy Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (93 ratings) | 4.9 (35 ratings) — better |
| Positive reviews | 80.0% of reviews — better | 7.1% of reviews |
| Number of ratings | 93 — better | 35 |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 | 9.0 — better |
| Further details — not scored | ||
| Size | 136 MB | 81 MB |
| Age rating | 17+ | 4+ |
| Developer | CB INTERNATIONAL BANK LLC | Shenzhen Yeahka Company Limited |
Customer experience
CBiBank
Happy Pay
In-app purchases
CBiBank
No in-app purchases
Happy Pay
No in-app purchases
