中信银行 vs 浦发银行
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。
浦发银行
Experience financial empowerment with the latest version of an innovative banking app. Stay informed with real-time market updates, personalized financial insights, easy loan options, and convenient payment features. Enhance your financial journey with interactive tools and tailored investment advice.
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伙伴·共进,浦发银行App焕新升级! 【做你的财富知己】 1-慧选:理财、基金、存款全品类覆盖!推出慧选矩阵和榜单,实现轻松选、一键投。 2-慧伴:7*24小时财富管家,市场热点、待办事项、持仓分析、投资机会一手掌握。 3-慧诊:四步法资产全面规划,深度持仓产品诊断,科学配置资产,财富稳健增值。 【做你的贷款顾问】 1-贷款超市:消费、置业、经营贷一站式配齐!贷款超市随心选,匹配你的每笔资金规划。 2-优惠权益:政府贴息+利息优惠双重福利,低息省钱更划算。 3-信用卡:聚合双卡权益,融合全能积分等32项功能,一个APP搞定信用卡全场景需求。 【做你的生活搭子】 1-卓信V+:焕新权益礼,达标享好礼,月月有惊喜。 2-代发专区:融合企业人财事管理,为企业员工提供工资查看、签到、请假、OA、报销及专属权益等非金融一站式服务。 3-便民服务:涵盖生活缴费、医疗健康、文娱出行、购物消费,多场景需求一屏直达。
Screenshots
Verdict
The clearest difference is rating: 浦发银行 at 4.7 against 中信银行's 1.8. 浦发银行 also leads on review sentiment (35% vs 18%) and ratings volume (1.7K vs 228). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
浦发银行 holds the better App Store score, 4.7 against 1.8. That said, the two scores are not equally well evidenced: 浦发银行 has 1.7K 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 35% of 浦发银行's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 21, 2026 and September 23, 2026 respectively.
| Parameter | 中信银行 | 浦发银行 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (228 ratings) | 4.7 (1.7K ratings) — better |
| Positive reviews | 18.5% of reviews | 34.5% of reviews — better |
| Number of ratings | 228 | 1.7K — better |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.0 — better | 12.4 |
| Further details — not scored | ||
| Size | 275 MB | 260 MB |
| Age rating | 4+ | 4+ |
| Developer | 中信银行 | 上海浦东发展银行 |
Customer experience
中信银行
浦发银行
User reviews
中信银行
From 228 App Store ratingsWhat we love
- 👍 Convenient banking functionality
- 💳 Credit card features available
Room to improve
- 🐛 Frequent crashes and freezes
- ⏱️ Extremely slow loading times
- 🔐 Complex and cumbersome login process
- 🎨 Poor and confusing UI/UX design
- 📱 App becomes unresponsive mid-operation
浦发银行
From 1.7K App Store ratingsWhat we love
- 🚀 Fast and efficient
- 🔒 Secure user funds management
- 👍 Convenient and user-friendly
- 💡 Innovative features
Room to improve
- 🐛 Frequent crashes and glitches
- 🔋 High battery consumption
- 👎 Poor user experience
- 🚫 Incompatible with VPN/proxy
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 moreShow fewer
- 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 moreShow fewer
- 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
浦发银行
Reported bugs
4 issues- Login issues and session timeouts
- Inability to change password
- Unreliable network connectivity
- Incompatibility with newer iOS versions
Requested features
4 requests- Dark mode option
- Improved account statement and transaction history
- Streamlined transfer process
- Better support for larger screen devices
In-app purchases
中信银行
No in-app purchases
浦发银行
No in-app purchases









