Comparison

中国银行 vs HTSmartPay

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

Head to head
About

中国银行

Features
Read full description

中国银行手机银行匠心打造“便民、富民、惠民、乐民”综合服务平台:推出六大客群专属服务,满足您多元化服务需求;提供六大王牌财富管理服务,全程陪伴您的财富旅程;升级美好生活平台,丰富生活服务供给;推出“福仔云游记”,趣味互动让您畅享美好生活。 一键开启,便捷为您。中国银行面向新市民、县域、养老、代发薪、少数民族、交通出行六大客群,打造专属服务体验。 一键解锁,智富为您。推出财富管理开放平台,财富购物车、家庭财富全景视图、资产报告和资产诊断、甄选产品池、陪伴式服务、全方位安全保障六大王牌财富服务,通过专业、智能的财富管理能力,帮您管好“钱袋子”。 一键触达,惠泽为您。上线重点帮扶公益版块,引入中行精准帮扶平台“公益中国”,助力乡村振兴,搭建“爱心捐款”公益版块,提供扶贫救灾、教育助学、扶老助残三类捐款通道;生活频道合作商户拓展至16大类400余户;全新升级权益中心,积分兑换权益更丰富。 一键乐享,快乐为您。聚合四大特色场景,推出“福仔云游记”养成类游戏,升级趣味玩法,让金融也可以很快乐。

About

HTSmartPay

This finance app offers convenient payment services for essential utilities like phone bills and electricity. It also supports payments at offline stores. More features are planned for future updates.

Highlights
  • Phone bill top-up
  • Offline store payments
  • Electricity bill payment
  • Essential utility services
  • Future feature updates
Features
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汇通是一款便捷支付的应用,目前支持话费充值、线下门店支付、电费支付等民生服务。 更多功能将在后续版本陆续上线。

Screenshots

中国银行4 screens
HTSmartPay3 screens

Verdict

The call

The clearest difference is rating: HTSmartPay at 5.0 against 中国银行's 2.0. 中国银行's advantage is ratings volume (619 vs 5). 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

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

HTSmartPay holds the better App Store score, 5.0 against 2.0. That said, the two scores are not equally well evidenced: 中国银行 has 619 ratings behind it against 5, so its average is the more settled of the two.

UpkeepUpdate frequency

中国银行 ships an update monthly, HTSmartPay every 2 weeks. The most recent releases landed on November 1, 2026 and October 21, 2026 respectively.

Scorecard2 real differences · 8 level
中国银行 versus HTSmartPay: the parameters behind the verdict, then further details
Parameter中国银行HTSmartPay
PriceFreeFree
Rating2.0 (619 ratings)5.0 (5 ratings) — better
Positive reviews8.2% of reviews—
Number of ratings619 — better5
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.0 — better
Further details — not scored
Size364 MB47 MB
Age rating17+17+
Developer中国银行股份有限公司HT SMARTPAY COMPANY LIMITED

Customer experience

中国银行

All ratings613 ratings
Positive22.5%
Neutral6.4%
Negative71.1%
Written reviews330 reviews
Positive8.2%
Neutral3.9%
Negative87.9%

HTSmartPay

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

中国银行

Reported bugs

4 issues
  • Constant app crashes
  • Login and authentication problems
  • Inability to update personal information
  • Unreliable transaction processing

Requested features

4 requests
  • Dark mode option
  • Improved facial recognition
  • More user-friendly interface
  • Better customer support

HTSmartPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

中国银行

No in-app purchases

None

HTSmartPay

No in-app purchases

Questions

Is 中国银行 free?
中国银行 is free to download, with no in-app purchases.
Is HTSmartPay free?
HTSmartPay is free to download, with no in-app purchases.
Which has better reviews, 中国银行 or HTSmartPay?
HTSmartPay is rated higher. 中国银行 averages 2.0 out of 5 from 619 ratings, while HTSmartPay averages 5.0 from 5 ratings.
Do 中国银行 or HTSmartPay have ads?
Neither 中国银行 nor HTSmartPay shows ads.
Which is updated more often, 中国银行 or HTSmartPay?
中国银行 ships an update monthly, and HTSmartPay every 2 weeks. Most recently, 中国银行 was updated on November 1, 2026 and HTSmartPay on October 21, 2026.

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