# 中國信託行動銀行 vs Money Talks

中國信託行動銀行 and Money Talks both sit at 4.9 stars, but that hides the real split: 100% of Money Talks's written reviews are positive against 28% of 中國信託行動銀行's. Money Talks also leads on update cadence (every 4 days vs every 3 weeks). 中國信託行動銀行's advantage is in-app purchases (none vs 3) and ratings volume (4.7K vs 6). On price, rating and ads there is nothing between them.

Both are free to download. Money Talks sells 3 in-app purchases, starting at $1.99 per month. 中國信託行動銀行 asks for nothing beyond the download.

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 6, 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 100% of Money Talks's, so the app with the better star average is not the one people write more warmly about.

中國信託行動銀行 ships an update every 3 weeks, Money Talks every 4 days. The most recent releases landed on November 1, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | 中國信託行動銀行 | Money Talks |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (4.7K ratings)](https://appshunter.io/ios/app/id417698185/reviews)** | [4.7 (6 ratings)](https://appshunter.io/ios/app/money-talks-expense-tracker/id6753856530/reviews) |
| Number of ratings | **4.7K** | 6 |
| Positive reviews | 27.9% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 4 days** |
| Monetization | — | Freemium |
| Size | 215 MB | 53 MB |
| Requires iOS | **14** | 18.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [CTBC Bank Co., Ltd.](https://appshunter.io/developer/417698188) | [Kai Teng Hou](https://appshunter.io/developer/1833864329) |

## 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


### Money Talks

[App page](https://appshunter.io/ios/app/money-talks-expense-tracker/id6753856530)

Effortlessly log expenses using voice commands or by scanning receipts with AI. Get insights into your spending habits with a conversational financial assistant. Manage your cash flow and understand where your money goes.

**Highlights:** Voice expense logging, AI receipt scanning, Conversational financial assistant, Spending habit analysis, Cash flow tracking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 月費 | $1.99 | per month |
| 年費 | $14.99 | per year |
| 終生 | $49.99 | one-time |


## 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 Money Talks free?

Money Talks is free to download, with in-app purchases available.

### Which has better reviews, 中國信託行動銀行 or Money Talks?

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 Money Talks averages 4.7 from 6 ratings.

### Do 中國信託行動銀行 or Money Talks have ads?

Neither 中國信託行動銀行 nor Money Talks shows ads.

### Which is updated more often, 中國信託行動銀行 or Money Talks?

中國信託行動銀行 ships an update every 3 weeks, and Money Talks every 4 days. Most recently, 中國信託行動銀行 was updated on November 1, 2026 and Money Talks on October 24, 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.*