中信银行 vs 商户服务平台
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
中信银行
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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。
商户服务平台
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商户服务平台APP依托于互联网渠道，结合农商银行商户服务业务需求，实现商户主扫收单、静态码收单语音播报、公告推送、今日交易数据统计等业务功能，为商户提供更加便捷的收单体验。另外更多功能尚在开发中，敬请期待！
Screenshots
Verdict
The clearest difference is update cadence: 中信银行 at every 3 weeks against 商户服务平台's every 2 months. On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
中信银行 ships an update every 3 weeks, 商户服务平台 every 2 months. The most recent releases landed on November 1, 2026 and October 26, 2026 respectively.
| Parameter | 中信银行 | 商户服务平台 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (229 ratings) — better | — |
| Positive reviews | 18.3% of reviews | — |
| Number of ratings | 229 — better | — |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 260 MB | 12 MB |
| Age rating | 4+ | 17+ |
| Developer | 中信银行 | 青岛农商银行 |
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
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- 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
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- 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
商户服务平台
Not enough reviews yet to summarise bugs or requests.
In-app purchases
中信银行
No in-app purchases
商户服务平台
No in-app purchases
