Comparison

中国建设银行 vs 财智快账

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

Head to head
About

中国建设银行

Features
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管钱、借钱、省钱,一部手机尽享金融服务。 #为每个人提供便捷的资金管理服务# · 全品类资产及收益数据展示更新,15年内账户明细随时可查,年/月/日多周期报告提供分析。 · 养老、住房、跨境、乡村、社保、亲子、代发等多种客群和功能专区,为不同客户打造专属服务。 · 自主研发风控大脑毫秒级风险决策,个性化简易化安全认证方式,严格安全保障和简洁使用体验两不误。 #为每个人提供丰富的财富信贷方案# ·“新手宝典”“四笔钱”“建行严选”“财富会员”“财富百宝箱”,为您提供多种类型的财富产品方案。 ·“龙钱宝”“嗖嗖攒”“轻松还”,多种创新服务满足活钱投资、边花边攒、还款管理等多样场景需求。 · 快贷、建信福贷、小微快贷、农户贷款、多种贷款产品实现线上测额、选品,一站式满足不同借钱需求。 #为每个人提供精彩的便民生活场景# · 电影购票、影视会员、智慧就餐等丰富生活场景,无论是否持有建行卡均可体验使用。 · 话、电、燃、水等民生缴费,社保、医保、公积金等便民服务,轻轻松松一站式管理。 · 任务中心开宝箱月月抽好礼,联合会员多重礼遇优惠,权益中心等级礼遇一键解锁、龙积分、优惠券好礼即用。

About

财智快账

Features
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财智快账,由财智软件出品,逾10年个人理财行业经验。 财智软件,国内理财软件市场的领航员,上千万理财用户的首选。 财智软件,多年来为国内数百家银行与金融机构提供优秀的理财软件产品与服务。服务过的银行及其他金融机构包括:中国银行、工商银行、建设银行、农业银行、招商银行、民生银行、交通银行、光大银行、浦发银行、兴业银行、中信银行、中国平安、工银瑞信等。 产品特点: 1, 永久免费,财智专业品牌保障。 2, 数据同步,财智快账与财智7(财智软件电脑客户端)、财智在线理财(网页端)三方数据完美同步。 3, 简单易用,保证新手快速入门。 4, 界面精致,图文并茂,生动有趣,使记账变得不再枯燥乏味。 财智公司官方网站: http://www.moneywise.com.cn

Screenshots

中国建设银行4 screens
财智快账4 screens

Verdict

The call

The clearest difference is update cadence: 中国建设银行 at every 2 weeks against 财智快账's every 4 months. 中国建设银行 also leads on ratings volume (2.7K vs 2). 财智快账's advantage is rating (4.5 vs 4.1) and review sentiment (40% vs 17%). On price, ads, 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

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

财智快账 holds the better App Store score, 4.5 against 4.1. That said, the two scores are not equally well evidenced: 中国建设银行 has 2.7K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 17% of 中国建设银行's written reviews are positive against 40% of 财智快账's.

UpkeepUpdate frequency

中国建设银行 ships an update every 2 weeks, 财智快账 every 4 months. The most recent releases landed on October 19, 2026 and October 17, 2026 respectively.

Scorecard4 real differences · 5 level
中国建设银行 versus 财智快账: the parameters behind the verdict, then further details
Parameter中国建设银行财智快账
PriceFreeFree
Rating4.1 (2.7K ratings)4.5 (2 ratings) — better
Positive reviews17.2% of reviews40.0% of reviews — better
Number of ratings2.7K — better2
Update frequencyEvery 2 weeks — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better14.0
Further details — not scored
Size503 MB10 MB
Age rating17+4+
Developer中国建设银行成都财智软件有限公司

Customer experience

中国建设银行

All ratings2,677 ratings
Positive77.1%
Neutral1.5%
Negative21.4%
Written reviews361 reviews
Positive17.2%
Neutral6.1%
Negative76.7%

财智快账

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews5 reviews
Positive40.0%
Neutral20.0%
Negative40.0%

Bugs and requests

中国建设银行

Reported bugs

4 issues
  • Frequent crashes and freezes
  • Login and account management issues
  • Problems with core banking functionalities
  • Compatibility problems with newer iOS versions

Requested features

5 requests
  • Improve login and security features
  • Optimize app performance and battery life
  • Simplify and streamline the user interface
  • Add more language support, especially English
  • Introduce biometric authentication (e.g., Touch ID/Face ID)

财智快账

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

中国建设银行

No in-app purchases

None

财智快账

No in-app purchases

Questions

Is 中国建设银行 free?
中国建设银行 is free to download, with no in-app purchases.
Is 财智快账 free?
财智快账 is free to download, with no in-app purchases.
Which has better reviews, 中国建设银行 or 财智快账?
财智快账 is rated higher. 中国建设银行 averages 4.1 out of 5 from 2.7K ratings, while 财智快账 averages 4.5 from 2 ratings.
Do 中国建设银行 or 财智快账 have ads?
Neither 中国建设银行 nor 财智快账 shows ads.
Which is updated more often, 中国建设银行 or 财智快账?
中国建设银行 ships an update every 2 weeks, and 财智快账 every 4 months. Most recently, 中国建设银行 was updated on October 19, 2026 and 财智快账 on October 17, 2026.

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