中信银行 vs Yuanian Cloud
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。
Yuanian Cloud
This enterprise management platform streamlines digital transformation for Chinese businesses. It offers services in finance, procurement, expenses, and more, leveraging cloud computing, big data, and AI to enhance management effectiveness and uncover new business opportunities.
- Cloud computing platform
- Big data analytics
- AI-powered management
- Business travel management
- Finance and procurement services
- Expense tracking
- Revenue and taxation management
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Yuanian Cloud is a new strategic enterprise management cloud platform developed by Yuanian Technology based on cutting-edge technologies such as cloud computing, big data, mobile internet, and artificial intelligence. It leverages 20 years of profound research and practice in Chinese enterprise management. Yuanian Cloud helps clients enhance professional concepts, establish professional management systems, implement management solutions, further expand management scope, and improve management effectiveness. Management services cover: business travel, finance, procurement, expenses, revenue, taxation, and other services, helping enterprises focus on business model transformations driven by changes in users and ecosystem partners, deeply explore potential corporate value and uncover new business opportunities, and streamline the digital transformation of Chinese enterprises
Screenshots
Verdict
The clearest difference is rating: Yuanian Cloud at 3.0 against 中信银行's 1.8. 中信银行's advantage is ratings volume (229 vs 2) and update cadence (every 3 weeks vs every 3 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.
Yuanian Cloud holds the better App Store score, 3.0 against 1.8. That said, the two scores are not equally well evidenced: 中信银行 has 229 ratings behind it against 2, so its average is the more settled of the two.
中信银行 ships an update every 3 weeks, Yuanian Cloud every 3 months. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | 中信银行 | Yuanian Cloud |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (229 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 18.3% of reviews | — |
| Number of ratings | 229 — better | 2 |
| Update frequency | Every 3 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 260 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | 中信银行 | 北京元年软件 |
Customer experience
中信银行
Yuanian Cloud
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
Yuanian Cloud
Not enough reviews yet to summarise bugs or requests.
In-app purchases
中信银行
No in-app purchases
Yuanian Cloud
No in-app purchases
