# 中國信託行動銀行 vs 國泰優惠CUBE Rewards

The clearest difference is review sentiment: 國泰優惠CUBE Rewards at 83% against 中國信託行動銀行's 28%. 中國信託行動銀行's advantage is rating (4.9 vs 4.7) and ratings volume (4.7K vs 879). 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.

中國信託行動銀行 holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: 中國信託行動銀行 has 4.7K ratings behind it against 879, so its average is the more settled of the two. Written reviews complicate that: 28% of 中國信託行動銀行's written reviews are positive against 83% of 國泰優惠CUBE Rewards's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 20, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | 中國信託行動銀行 | 國泰優惠CUBE Rewards |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (4.7K ratings)](https://appshunter.io/ios/app/id417698185/reviews)** | [4.7 (879 ratings)](https://appshunter.io/ios/app/cube-rewards/id425309574/reviews) |
| Number of ratings | **4.7K** | 879 |
| Positive reviews | 27.9% of reviews | **83.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | — | Free with in-app purchases |
| Size | 215 MB | 118 MB |
| Requires iOS | **14** | 15.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CTBC Bank Co., Ltd.](https://appshunter.io/developer/417698188) | [國泰金融集團](https://appshunter.io/developer/425309577) |

## What reviewers say

### 中國信託行動銀行

[App page](https://appshunter.io/ios/app/id417698185)

Experience top-notch personal finance digital services with this mobile banking app. Manage your accounts, make transfers, pay bills, and access investment and insurance services seamlessly. Ensure your account's safety by installing antivirus apps on your device.

**Features:** Siri integration, Apple Wallet, Apple Watch app, iMessage stickers, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and straightforward
- 🚀 Fast and efficient transactions
- 🔒 Secure payment options

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow app performance
- 🤖 Unintuitive user interface
- 🌐 Limited functionality for overseas users

**Reported bugs**

- Inability to update app from overseas locations
- Login issues with special characters in passwords
- Inconsistent app behavior across devices and OS versions

**Requested features**

- Support for biometric login (e.g., fingerprint, face ID)
- Improved international banking features
- Customizable app settings and layout
- Enhanced transaction history and analytics


### 國泰優惠CUBE Rewards

[App page](https://appshunter.io/ios/app/cube-rewards/id425309574)

Enhance your points experience and enjoy a high-quality life with this app. Accumulate points equivalent to cash, redeem them for rewards, and participate in fun tasks to earn more. Access card services, receive exclusive offers, and manage your rewards effortlessly.

**Highlights:** Accumulate and redeem Tree Points, Complete tasks for bonus points, Manage credit card services, Access exclusive member offers, View spending alerts, Earn points through events

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and intuitive interface
- 🎁 Abundant activities and promotional offers
- 🔄 Easy points/rewards redemption system
- 📱 Clean and well-organized layout
- ⚡ Convenient coupon and event access

**What reviewers complain about**

- 🐛 App crashes and freezes after updates
- 🔐 Login button unresponsive
- ❓ Unclear activity descriptions and mechanics
- 🔀 Fragmented experience (separate points app from main banking app)
- 🎲 Low winning probability in promotional events

**Reported bugs**

- App crashes and force closes after updates
- Login button becomes unresponsive
- Technical issues with no resolution from support team

**Requested features**

- Integrate points app into main Cathay Bank app
- Improve event win probability rates
- Better visibility of registered activity status history
- Enhanced customer support for technical issues


## Frequently asked questions

### Is 中國信託行動銀行 free?

中國信託行動銀行 is free to download, with no in-app purchases.

### Is 國泰優惠CUBE Rewards free?

國泰優惠CUBE Rewards is free to download, with no in-app purchases.

### Which has better reviews, 中國信託行動銀行 or 國泰優惠CUBE Rewards?

中國信託行動銀行 is rated higher. 中國信託行動銀行 averages 4.9 out of 5 from 4.7K ratings, while 國泰優惠CUBE Rewards averages 4.7 from 879 ratings.

### Do 中國信託行動銀行 or 國泰優惠CUBE Rewards have ads?

Neither 中國信託行動銀行 nor 國泰優惠CUBE Rewards shows ads.

### Which is updated more often, 中國信託行動銀行 or 國泰優惠CUBE Rewards?

中國信託行動銀行 ships an update every 3 weeks, and 國泰優惠CUBE Rewards every 3 weeks. Most recently, 中國信託行動銀行 was updated on October 20, 2026 and 國泰優惠CUBE Rewards on October 19, 2026.

---

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