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  4. vs 民生银行
Comparison

中信银行 vs 民生银行

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
中信银行
中信银行

中信银行官方App

Free
💰 Finance
★ 1.8228 ratingsView app →
民生银行
民生银行
Free
💰 Finance
★ 2.595 ratingsView app →
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

民生银行

Features
Read full description

中国民生银行手机银行10.0登场！五大升级，全新体验，数智焕新，十分美好！ 1、览全局，驭财更轻松。支持资产负债便捷查看、多视角切换及各类资金明细展示，让资金变动清晰可见！ 2、享便捷，体验更随心。信用卡频道全新上线，涵盖查账、还款、分期等全方位服务，同步解锁专属权益！ 3、纳万象，服务掌中藏。提供收藏功能，支持财富产品、活动等分类收藏管理，打造专属服务清单！ 4、探二楼，资讯更全面。手机银行“二楼”提供多元资讯，解读市场趋势，满足不同用户信息需求！ 5、强防护，账户更安全。优化智能安全工具，全方位守护您的账户及交易安全！

Screenshots

中信银行4 screens
民生银行4 screens

Verdict

The call

The clearest difference is review sentiment: 民生银行 at 67% against 中信银行's 18%. 民生银行 also leads on rating (2.5 vs 1.8). 中信银行's advantage is iOS requirement (11.0 vs 13.0). On price, ratings volume, update cadence and ads 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

民生银行 holds the better App Store score, 2.5 against 1.8. Both are backed by a comparable volume of ratings — 228 and 95 respectively. Written reviews point the same way: 18% of 中信银行's written reviews are positive against 67% of 民生银行's.

UpkeepUpdate frequency

中信银行 ships an update every 3 weeks, 民生银行 every 5 weeks. The most recent releases landed on September 21, 2026 and September 22, 2026 respectively.

Scorecard3 real differences · 6 level
中信银行 versus 民生银行: the parameters behind the verdict, then further details
Parameter中信银行民生银行
PriceFreeFree
Rating1.8 (228 ratings)2.5 (95 ratings) — better
Positive reviews18.5% of reviews67.4% of reviews — better
Number of ratings228 — better95
Update frequencyEvery 3 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod, Apple Watch — better
Requires iOS11.0 — better13.0
Further details — not scored
Size275 MB308 MB
Age rating4+4+
Developer中信银行中国民生银行股份有限公司

Customer experience

中信银行

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

民生银行

All ratings95 ratings
Positive36.8%
Neutral2.1%
Negative61.1%
Written reviews92 reviews
Positive67.4%
Neutral2.2%
Negative30.4%

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

民生银行

From 95 App Store ratings

What we love

  • 👍 Convenient mobile banking
  • 👍 Comprehensive financial services
  • 👍 User-friendly interface
  • 👍 Efficient fund transfers
  • 👍 Good for wealth management

Room to improve

  • 👎 Forces VPN closure
  • 👎 App crashes with VPN
  • 👎 Detects VPN and exits
  • 👎 Unusable with proxy
  • 👎 Face ID issues

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

民生银行

Reported bugs

13 issues
  • App crashes when VPN is detected
  • App exits when VPN is detected
  • App does not work with proxy
  • Face ID login is unstable and cannot be enabled
  • Face ID login is frozen
Show 8 more
  • Splash ad skip button lags
  • App crashes after update due to network errors
  • Cannot log in from abroad
  • Cannot download the app
  • Network instability errors prevent login
  • App is not usable with iOS 6
  • Cannot set up profile picture correctly
  • App crashes when switching to 'Me' page

Requested features

11 requests
  • Allow VPN usage
  • Fix Face ID/Face Recognition login
  • Allow online modification of reserved mobile number
  • Improve UI/UX for asset display
  • Restore cross-bank transfer functionality
Show 6 more
  • Implement credit card spending limit settings
  • Fix app download issues
  • Improve network stability
  • Ensure compatibility with newer iOS versions
  • Increase daily transfer limits
  • Allow online banking for new cards

In-app purchases

None

中信银行

No in-app purchases

None

民生银行

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 民生银行 free?
民生银行 is free to download, with no in-app purchases.
Which has better reviews, 中信银行 or 民生银行?
民生银行 is rated higher. 中信银行 averages 1.8 out of 5 from 228 ratings, while 民生银行 averages 2.5 from 95 ratings.
Do 中信银行 or 民生银行 have ads?
Neither 中信银行 nor 民生银行 shows ads.
Which is updated more often, 中信银行 or 民生银行?
中信银行 ships an update every 3 weeks, and 民生银行 every 5 weeks. Most recently, 中信银行 was updated on September 21, 2026 and 民生银行 on September 22, 2026.

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