# 中信银行 vs 工银e生活

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.

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

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.

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.

## The numbers

| Metric | 中信银行 | 工银e生活 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (228 ratings)](https://appshunter.io/ios/app/id422844108/reviews) | **[2.8 (13K ratings)](https://appshunter.io/ios/app/e/id1044166783/reviews)** |
| Number of ratings | 228 | **13K** |
| Positive reviews | 18.5% of reviews | **34.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | — | Free |
| Size | 275 MB | 307 MB |
| Requires iOS | 11.0 | 11.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [中信银行](https://appshunter.io/developer/422844111) | [Industrial and Commercial Bank of China](https://appshunter.io/developer/404569366) |

## What reviewers say

### 中信银行

[App page](https://appshunter.io/ios/app/id422844108)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient banking functionality
- 💳 Credit card features available

**What reviewers complain about**

- 🐛 Frequent crashes and freezes
- ⏱️ Extremely slow loading times
- 🔐 Complex and cumbersome login process
- 🎨 Poor and confusing UI/UX design
- 📱 App becomes unresponsive mid-operation

**Reported bugs**

- 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

**Requested features**

- Simplify interface and remove unnecessary features
- Add fingerprint/biometric login support
- Improve fund purchase history visibility
- Add dark mode option
- Reduce app file size


### 工银e生活

[App page](https://appshunter.io/ios/app/e/id1044166783)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

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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.*