# 中国银行 vs HTSmartPay

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | 中国银行 | HTSmartPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (619 ratings)](https://appshunter.io/ios/app/id399608199/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/htsmartpay/id6444838592/reviews)** |
| Number of ratings | **619** | 5 |
| Positive reviews | 8.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 364 MB | 47 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [中国银行股份有限公司](https://appshunter.io/developer/392493980) | [HT SMARTPAY COMPANY LIMITED](https://appshunter.io/developer/1657211352) |

## What reviewers say

### 中国银行

[App page](https://appshunter.io/ios/app/id399608199)

**Features:** Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Straightforward design
- 💡 Useful features like mobile payments
- 🚀 Fast and responsive

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 👎 Difficult to navigate and use
- 🤖 Poor facial recognition and login issues
- 💸 Excessive ads and notifications
- 🤔 Lack of customization options

**Reported bugs**

- Constant app crashes
- Login and authentication problems
- Inability to update personal information
- Unreliable transaction processing

**Requested features**

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


### HTSmartPay

[App page](https://appshunter.io/ios/app/htsmartpay/id6444838592)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*