1. Home
  2. 💰 Finance
  3. 中信银行
  4. vs 工银e生活
Comparison

中信银行 vs 工银e生活

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

Head to head
中信银行
中信银行

中信银行官方App

Free
💰 Finance
★ 1.8228 ratingsView app →
工银e生活
工银e生活
Free
💰 Finance
★ 2.813K ratingsView app →
About

中信银行

Features
Read full description

中信银行 APP 是中信银行为满足客户移动金融需求推出的线上金融服务平台，致力于为客户提供安全、快捷、便利的移动银行使用体验，让用户随时随地掌控金融服务。APP提供包含借记卡、信用卡、转账、投资理财、个人贷款等全品类金融服务，并提供养老规划、出国金融及权益活动等多种增值服务，为客户提供有温度的财富管理服务，践行“让财富有温度”的品牌主张！ 中信银行APP 12.0，新开始 更卓越 【美学新主张】视觉全新呈现，体验更显专业。 【财富新征程】黄金理财存款基金，专业配置更省心。 【服务新体验】新客旅程式引导，功能体验全升级。 【消费新主场】信用卡|惠生活，服务更贴心，用卡更便捷。

About

工银e生活

This app offers a comprehensive lifestyle service platform for personal banking customers. Discover local dining, shopping, and leisure deals, enjoy interest-free installments, and use points like cash. Access convenient financial services like one-click repayment and credit limit increases.

Highlights
  • Local dining, leisure, and shopping deals
  • Interest-free installment plans
  • Points redemption for purchases
  • One-click repayment
  • Transaction history and credit limit management
  • Access to banking rights and benefits
Features
Read full description

工银e生活APP是中国工商银行个人客户生活服务平台。这里有您身边的美食、休闲、购物优惠、好物免息分期。这里有您需要的轻简金融服务，一键还款、明细查询、提升额度、查领权益。致力于服务您的身边生活，满足您的消费融资需求。这里汇集丰富的生活场景，让美好生活触手可及！

Screenshots

中信银行4 screens
工银e生活4 screens

Verdict

The call

The clearest difference is rating: 工银e生活 at 2.8 against 中信银行's 1.8. 工银e生活 also leads on ratings volume (13K vs 228) and review sentiment (34% vs 18%). 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

工银e生活 holds the better App Store score, 2.8 against 1.8. That said, the two scores are not equally well evidenced: 工银e生活 has 13K ratings behind it against 228, so its average is the more settled of the two. Written reviews point the same way: 18% of 中信银行's written reviews are positive against 34% of 工银e生活's.

UpkeepUpdate frequency

中信银行 ships an update every 3 weeks, 工银e生活 monthly. The most recent releases landed on September 25, 2026 and September 27, 2026 respectively.

Scorecard3 real differences · 7 level
中信银行 versus 工银e生活: the parameters behind the verdict, then further details
Parameter中信银行工银e生活
PriceFreeFree
Rating1.8 (228 ratings)2.8 (13K ratings) — better
Positive reviews18.5% of reviews34.4% of reviews — better
Number of ratings22813K — better
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS11.011.0
Further details — not scored
Size275 MB307 MB
Age rating4+17+
Developer中信银行Industrial and Commercial Bank of China

Customer experience

中信银行

All ratings228 ratings
Positive18.0%
Neutral3.1%
Negative78.9%
Written reviews119 reviews
Positive18.5%
Neutral1.7%
Negative79.8%

工银e生活

All ratings111 ratings
Positive7.2%
Neutral0.0%
Negative92.8%
Written reviews64 reviews
Positive34.4%
Neutral0.0%
Negative65.6%

Bugs and requests

中信银行

Reported bugs

15 issues
  • App freezes at 'New Start More Excellence' screen
  • Login automatically expires within minutes
  • Crashes when modifying login password
  • Facial recognition causes app crash
  • Verification code input field non-functional
Show 10 more
  • Identity verification circular dependency (expired ID blocks job field update)
  • Fingerprint login unresponsive
  • Fund purchase records not visible
  • Financial returns display unclear after update
  • Network error messages appear constantly
  • App incompatible with iOS 8 and iPhone 5 resolution
  • Cannot link bank card without Chinese ID
  • Notification settings cannot be properly disabled
  • Payment redirect hijacking (Cloud Flash Pay)
  • App crashes on startup with animations enabled

Requested features

10 requests
  • Simplify interface and remove unnecessary features
  • Add fingerprint/biometric login support
  • Improve fund purchase history visibility
  • Add dark mode option
  • Reduce app file size
Show 5 more
  • Support for passport-based identity verification
  • Improve facial recognition accuracy
  • Better account asset overview on main dashboard
  • Optimize for iPad compatibility
  • Implement proper notification control settings

工银e生活

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

中信银行

No in-app purchases

None

工银e生活

No in-app purchases

Questions

Is 中信银行 free?
中信银行 is free to download, with no in-app purchases.
Is 工银e生活 free?
工银e生活 is free to download, with no in-app purchases.
Which has better reviews, 中信银行 or 工银e生活?
工银e生活 is rated higher. 中信银行 averages 1.8 out of 5 from 228 ratings, while 工银e生活 averages 2.8 from 13K ratings.
Do 中信银行 or 工银e生活 have ads?
Neither 中信银行 nor 工银e生活 shows ads.
Which is updated more often, 中信银行 or 工银e生活?
中信银行 ships an update every 3 weeks, and 工银e生活 monthly. Most recently, 中信银行 was updated on September 25, 2026 and 工银e生活 on September 27, 2026.

Other comparisons

中信银行浦发银行中信银行 vs 浦发银行Compare →中信银行中国建设银行中信银行 vs 中国建设银行Compare →中信银行中国银行中信银行 vs 中国银行Compare →中信银行民生银行中信银行 vs 民生银行Compare →工银e生活广发银行工银e生活 vs 广发银行Compare →工银e生活动卡空间工银e生活 vs 动卡空间Compare →工银e生活买单吧工银e生活 vs 买单吧Compare →工银e生活浦大喜奔工银e生活 vs 浦大喜奔Compare →