ICBC(Asia) vs Z Saving
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ICBC(Asia)
Manage your finances on the go with this mobile banking app. It offers features for transfers, investments, credit cards, bill payments, and account management. Open new accounts, track assets, and receive timely alerts for a seamless banking experience.
- Transfer & Remittance
- Investment Management
- Credit Card Services
- Bill Payment
- Account Management
- New Customer Account Opening
- Personalized Financial Management
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The new release of ICBC (Asia) mobile banking application integrates Transfer & Remittance, Investment Management, Credit Card, Bill Payment and many other functions. Through this dedicated mobile banking service platform, customers can easily manage finances at your fingertips! Multiple advantages of the brand new and upgraded ICBC (Asia) mobile banking: 1.Brand-new Design, Perfect Experience: User Interface design optimization, milder color and more comfortable visual effect, to protect your eye and create high quality customer experience. 2.Module Customization, Free Layout: Support main page functions personalization, add or delete the functions and adjust the functions order as to meet customer needs. 3.Simplification and Optimization on frequently used functions : Perform instant transfer with one click; improve the appearance of ICBC Messaging displayed in card mode, helping you to receive transaction alert timely. 4.One-click with Security at ease : Professional safety inspection eliminates potential risks; Multi-dimensional security lock offers you a sense of security. 5.Personalized financial management : Introduce elite products and services by showing brand new investment services sections. Customers can enjoy exclusive banking/ investment services with ease. 6.Account overview at one glance : Show your asset allocation in pie chart and allow access to all accounts in one single management section. Mobile Banking Services: 1.New Customer Account Opening : You can simply open integrated bank account in 8 minutes by scanning your HKID , completing facial recognition and account opening information without visiting branches. (Hold a Hong kong permanent indentity card(the version introduced in 2003) ) 2.Account/Asset Management Service: Simple and clear asset allocation interface, easily manage your assets balance and accounts. 3.Transfer & Remittance Service: Provides you comprehensive services to satisfy your needs, such as One-Click Transfer, QR Code Transfer and Faster Payment Service (FPS) . Transfer and remittance become faster, safer and easier. 4.Credit Cards Service: Provides Credit Card Application, Transactions Inquiry and Credit Limit Adjustment and other Services. 5.Investments and Financial Service: Provides Funds, Precious Metals, Flexi Plus, Currency Trading and other investment services. 6.Deposit & Debts Service: Provides high yield and flexible time deposit products and low-interest rate loan products. 7.Information Push Service: ICBC Messaging helps you manage account activities timely, and Message Push Service informs you of industry changes and latest products that you can't miss. 8.Other Banking Service: You can enjoy the Card-less Cash Withdrawal, Online Bill Payment (including government fines, taxes, utilities, etc.), Account Application and other services through ICBC (Asia) mobile banking. For further information, please visit our website www.icbcasia.com or contact ICBC (Asia) customer service hotline at (852)218 95588.
Z Saving
Track your savings goals with this minimalist app. It automatically calculates progress, displays trends with charts, and allows for detailed notes. Your financial data is stored locally and can be exported, ensuring privacy and control.
- Automatic savings statistics
- Trend charts for financial progress
- Detailed saving notes
- Local data storage
- iCloud data backup
- JSON data import/export
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Z Saving is a green and pure local recording App. You can use it to complete a long-term savings plan, and you can see statistics and trends by simply recording. 【Features】 - Automatic statistics. Every time you record a savings, it will automatically calculate how far you are from your goal and the total amount after deducting expenses. - Trend charts. The same as above will automatically generate a line chart of the total amount relative to time, and you can see the changing trend over a period of time. - Comes with notes. You can record details and memos about saving money for easy reference later. - Safe and reliable. Data is only stored locally and can be synchronized across devices through iCloud's data backup function. - Data freedom. Data can be imported and exported at any time, using the common JSON format. Your data is yours. This tool focuses on recording money and does not add any advertisements or other irrelevant content. If you also like this kind of green minimalist App, please leave your support in the comment area, it is very important to us, thank you!
Screenshots
Verdict
The clearest difference is review sentiment: Z Saving at 100% against ICBC(Asia)'s 27%. Z Saving also leads on update cadence (every 8 days vs every 5 weeks). ICBC(Asia)'s advantage is in-app purchases (none vs 1). On price, ads, monetization model 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. Z Saving sells 1 one-off in-app purchase. ICBC(Asia) asks for nothing beyond the download.
ICBC(Asia) ships an update every 5 weeks, Z Saving every 8 days. The most recent releases landed on October 29, 2026 and October 20, 2026 respectively.
| Parameter | ICBC(Asia) | Z Saving |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (22 ratings) — better | — |
| Positive reviews | 27.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 22 — better | — |
| Update frequency | Every 5 weeks | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 243 MB | 23 MB |
| Age rating | 12+ | 4+ |
| Developer | Industrial and Commercial Bank of China | SeeHigh Tech |
Customer experience
ICBC(Asia)
Z Saving
In-app purchases
ICBC(Asia)
No in-app purchases
Z Saving
- Z Saving Premium - Lifetime$9.99









