Comparison

中信银行 vs 中国农业银行

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
Read full description

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

中国农业银行

This app provides a range of banking services tailored to different user needs, including rural-focused features, large text display for elderly users, accessibility options, budget tracking, search functionality with voice interaction, and advanced security measures using AI. Users can also participate in various activities like quizzes and shopping discounts. Discover a new way of banking tailored to your needs!

Features
Read full description

农行掌上银行,您的线上智慧“新银行”!掌银新版本功能更强大,服务更贴心,让每个用户都拥有专属的“线上网点”。 乡村版充值专区、专属理财保险、特色涉农产品,贴近县域乡村用户的日常需求,惠民利民。 大字版提供超大字体“一大到底”,精选产品,功能简洁,无弹屏广告,为高龄人士提供清爽体验。 标准版主要功能新增支持提供语音播报等无障碍服务,为特殊客群提供贴心关怀。 全面收支展示分析,“钱从哪来,花在哪里”一目了然。设置预算提醒,超出预算小信封自动提醒。 搜索功能方便易用,支持语音交互。搜索覆盖范围更广、结果准确度更高、推荐内容更智能。 线上反欺诈利用大数据、人工智能等前沿技术有效识别线上高风险交易,保障客户资金安全。 做任务赢好礼、秒杀抢购、支付优惠,热门活动精彩来袭!小豆乐园每日答题抽奖,可兑换各类好物,新客更有三重礼,畅享优惠福利多。

Screenshots

中信银行4 screens
中国农业银行4 screens

Verdict

The call

The clearest difference is rating: 中国农业银行 at 4.7 against 中信银行's 1.8. 中国农业银行 also leads on ratings volume (11K vs 229). 中信银行's advantage is update cadence (every 3 weeks vs every 2 months). On price, review sentiment, 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

中国农业银行 holds the better App Store score, 4.7 against 1.8. That said, the two scores are not equally well evidenced: 中国农业银行 has 11K ratings behind it against 229, so its average is the more settled of the two. Written reviews complicate that: 18% of 中信银行's written reviews are positive against 17% of 中国农业银行's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

中信银行 ships an update every 3 weeks, 中国农业银行 every 2 months. The most recent releases landed on November 1, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 6 level
中信银行 versus 中国农业银行: the parameters behind the verdict, then further details
Parameter中信银行中国农业银行
PriceFreeFree
Rating1.8 (229 ratings)4.7 (11K ratings) — better
Positive reviews18.3% of reviews — better17.2% of reviews
Number of ratings22911K — better
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size260 MB268 MB
Age rating4+4+
Developer中信银行中国农业银行

Customer experience

中信银行

All ratings229 ratings
Positive17.9%
Neutral3.1%
Negative79.0%
Written reviews120 reviews
Positive18.3%
Neutral1.7%
Negative80.0%

中国农业银行

All ratings10,253 ratings
Positive92.4%
Neutral1.4%
Negative6.2%
Written reviews238 reviews
Positive17.2%
Neutral3.4%
Negative79.4%

User reviews

中信银行

From 229 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

中国农业银行

From 11K App Store ratings

What we love

  • ⭐ Convenient features
  • 🚀 Fast and efficient
  • 👍 User-friendly interface
  • 💰 Helpful for financial management

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🔒 Privacy and security concerns
  • 🔄 Forced updates and lack of choice
  • 🤖 Poor customer service
  • 📦 Bloated and resource-intensive

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

中国农业银行

Reported bugs

4 issues
  • Inability to log in or access account
  • Repeated crashes on launch
  • Incorrect account balance display
  • Compatibility issues with newer devices

Requested features

4 requests
  • Support for English language
  • Improved biometric login options
  • Streamlined update process
  • Better integration with other banking services

In-app purchases

None

中信银行

No in-app purchases

None

中国农业银行

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 中国农业银行 free?
中国农业银行 is free to download, with no in-app purchases.
Which has better reviews, 中信银行 or 中国农业银行?
中国农业银行 is rated higher. 中信银行 averages 1.8 out of 5 from 229 ratings, while 中国农业银行 averages 4.7 from 11K ratings.
Do 中信银行 or 中国农业银行 have ads?
Neither 中信银行 nor 中国农业银行 shows ads.
Which is updated more often, 中信银行 or 中国农业银行?
中信银行 ships an update every 3 weeks, and 中国农业银行 every 2 months. Most recently, 中信银行 was updated on November 1, 2026 and 中国农业银行 on November 4, 2026.

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