Comparison

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.

Head to head
About

中信银行

Features
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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。

About

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.

Features
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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

中信银行4 screens
浦发银行4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 21, 2026 and September 23, 2026 respectively.

Scorecard3 real differences · 6 level
中信银行 versus 浦发银行: the parameters behind the verdict, then further details
Parameter中信银行浦发银行
PriceFreeFree
Rating1.8 (228 ratings)4.7 (1.7K ratings) — better
Positive reviews18.5% of reviews34.5% of reviews — better
Number of ratings2281.7K — better
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS11.0 — better12.4
Further details — not scored
Size275 MB260 MB
Age rating4+4+
Developer中信银行上海浦东发展银行

Customer experience

中信银行

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

浦发银行

All ratings1,748 ratings
Positive92.8%
Neutral1.0%
Negative6.2%
Written reviews113 reviews
Positive34.5%
Neutral4.4%
Negative61.1%

User reviews

中信银行

From 228 App Store ratings

What 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 ratings

What 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 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

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

None

中信银行

No in-app purchases

None

浦发银行

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 浦发银行 free?
浦发银行 is free to download, with no in-app purchases.
Which has better reviews, 中信银行 or 浦发银行?
浦发银行 is rated higher. 中信银行 averages 1.8 out of 5 from 228 ratings, while 浦发银行 averages 4.7 from 1.7K ratings.
Do 中信银行 or 浦发银行 have ads?
Neither 中信银行 nor 浦发银行 shows ads.
Which is updated more often, 中信银行 or 浦发银行?
中信银行 ships an update every 3 weeks, and 浦发银行 every 3 weeks. Most recently, 中信银行 was updated on September 21, 2026 and 浦发银行 on September 23, 2026.

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