國泰世華網路銀行CUBE vs Richart Life
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
國泰世華網路銀行CUBE
This app provides secure digital banking services, allowing users to manage accounts, make transfers, and view transaction details. It offers quick login, exchange rate inquiries, and credit card management, all protected by advanced security features for peace of mind.
- Quick login
- Account inquiry (NTD & FCY)
- Transfers (NTD & FCY)
- FCY trading
- Exchange rate inquiry
- Credit card management
- Two-step verification
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CUB’s CUBE App utilizes digital data to ensure security of your accounts. With the app, you can make well-informed financial decisions and access financial services anytime, anywhere, all with peace of mind. 〔The English version offers〕 ． Quick login ． NTD account inquiry ． NTD transfer ． FCY account inquiry ． FCY transfer ． FCY trading ． Exchange rate inquiry ． Credit card transaction details inquiry ． Credit card statements inquiry and payments ． Credit card (CUBE Card) rewards category switch 〔Security〕 ． Protects accounts with two-step verification ． Safeguards login security with FIDO authentication ． Enhances transaction security with transaction verification codes CUBE App - your key to simplicity Download the CUBE App and explore our refreshed digital financial services firsthand! With much more to come! ------------------------------------ ． For more information, please visit us at: https://cathaybk.tw/23EAZ44L1 ． To ensure your account security, please install security software on your mobile device. ． To improve your mobile phone system security, please regularly check and upgrade your operating system to the latest version. ． By downloading this application, you acknowledge that you have read and agreed to our “User Privacy Terms.” ． 〔User Privacy Terms〕https://www.cathaybk.com.tw/cathaybk/personal/news/announcement/info/instructions_iOS/ ． Cathay United Bank Headquarter Address: No. 7, Songren Road, Taipei City
Richart Life
This app integrates various financial and lifestyle services, including credit card management, loyalty point redemption, and mobile payments. It aims to provide a comprehensive and convenient platform for managing daily financial activities and accessing exclusive offers.
- Integrated lifestyle services
- Mobile payment support
- Loyalty point redemption
- Credit card management
- Real-time transaction notifications
- Coupon access
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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
Screenshots
Verdict
The clearest difference is rating: 國泰世華網路銀行CUBE at 4.8 against Richart Life's 1.9. 國泰世華網路銀行CUBE also leads on monetization model (free vs free with in-app purchases) and ratings volume (1.8K vs 20). Richart Life's advantage is iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases 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.
國泰世華網路銀行CUBE holds the better App Store score, 4.8 against 1.9. That said, the two scores are not equally well evidenced: 國泰世華網路銀行CUBE has 1.8K ratings behind it against 20, so its average is the more settled of the two. Written reviews point the same way: 35% of 國泰世華網路銀行CUBE's written reviews are positive against 17% of Richart Life's.
國泰世華網路銀行CUBE ships an update fortnightly, Richart Life every 4 weeks. Both last shipped on October 7, 2026.
| Parameter | 國泰世華網路銀行CUBE | Richart Life |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.8K ratings) — better | 1.9 (20 ratings) |
| Positive reviews | 35.1% of reviews — better | 17.1% of reviews |
| Number of ratings | 1.8K — better | 20 |
| Update frequency | Fortnightly — better | Every 4 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 348 MB | 251 MB |
| Age rating | 4+ | 4+ |
| Developer | Cathay United Bank | Taishin International Bank |
Customer experience
國泰世華網路銀行CUBE
Richart Life
In-app purchases
國泰世華網路銀行CUBE
No in-app purchases
Richart Life
No in-app purchases
