Comparison

中国工商银行 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

中国工商银行

Features
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工行手机银行智享+1.0 从心出发 共绘未来 一、智慧服务 加倍随心 工小智:更懂您的金融管家,对话式业务模式、产品获取、问题咨询,让智慧服务如影随形。 简版:业面化繁为简,功能易用如初。 二、财富成长 加倍贴心 财富管理:理财收益全景展现,投资决策更从容;优选产品科学配置,投资轻松驾驭。 天天盈:扩容超过百支,使用场景更丰富,财富管理更加方便。 公益理财:捐赠全部超额收益,获取捐赠证书票据,让爱双向奔赴。 节气存单:每个节气,存一笔心意,陪伴你度过一年四季。 三、惠民消费 加倍省心 智享惠民消费新主张:从消费到融资,省钱省心一站解决。 消费贷款财政贴息更实惠,助商组合贷经营无忧,分期支付无缝衔接,借、查、还、管全流程体验升级。 四、缤纷权益 加倍欢心 智享权益生态新福利:玩转积分兑权益,福利天天有惊喜。 工银i豆查积分、赚奖励、兑好礼,一站式权益中心,零门槛精彩福利。 五、安全守护 加倍放心 智享风险防控新保障:三重盾牌防范风险,资金守护牢固如山。 生物识别与硬件加密双保障,国家网络身份认证+数字证书升级+NFC芯片级防护。

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

中国工商银行4 screens
中国农业银行4 screens

Verdict

The call

中国工商银行 and 中国农业银行 both sit at 4.7 stars, but that hides the real split: 33% of 中国工商银行's written reviews are positive against 17% of 中国农业银行's. 中国工商银行 also leads on update cadence (every 4 weeks vs every 2 months). On price, rating, ratings volume 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

On the App Store both sit at effectively the same score — 4.7 for 中国工商银行 against 4.7 for 中国农业银行. Both are backed by a comparable volume of ratings — 32K and 11K respectively. Written reviews are what separate them: 33% of 中国工商银行's written reviews are positive against 17% of 中国农业银行's.

UpkeepUpdate frequency

中国工商银行 ships an update every 4 weeks, 中国农业银行 every 2 months. Both last shipped on November 11, 2026.

Scorecard2 real differences · 7 level
中国工商银行 versus 中国农业银行: the parameters behind the verdict, then further details
Parameter中国工商银行中国农业银行
PriceFreeFree
Rating4.7 (32K ratings) — better4.7 (11K ratings)
Positive reviews33.0% of reviews — better17.2% of reviews
Number of ratings32K — better11K
Update frequencyEvery 4 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPod, Vision Pro — betteriPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size394 MB268 MB
Age rating12+4+
DeveloperIndustrial and Commercial Bank of China中国农业银行

Customer experience

中国工商银行

All ratings32,107 ratings
Positive94.0%
Neutral1.2%
Negative4.8%
Written reviews376 reviews
Positive33.0%
Neutral5.3%
Negative61.7%

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

中国工商银行

From 32K App Store ratings

What we love

  • 👍 Convenient and easy to use
  • 🚀 Fast and responsive
  • 🔒 Secure banking experience
  • 💡 Helpful features for elderly customers

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🔍 Difficult to navigate and find features
  • 📢 Excessive advertisements and push notifications
  • 🔒 Forced biometric authentication concerns
  • 🕰️ Slow performance and long loading times

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

中国工商银行

Reported bugs

4 issues
  • Login issues and account freezes
  • Incompatibility with newer devices
  • Incorrect or missing transaction data
  • Unreliable network connectivity

Requested features

5 requests
  • Add English language support
  • Improve UI and user experience
  • Allow more customization options
  • Streamline transaction and transfer flows
  • Enhance security without compromising usability

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

中国工商银行

No in-app purchases

None

中国农业银行

No in-app purchases

Questions

Is 中国工商银行 free?
中国工商银行 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, 中国工商银行 or 中国农业银行?
中国工商银行 is rated higher. 中国工商银行 averages 4.7 out of 5 from 32K ratings, while 中国农业银行 averages 4.7 from 11K ratings.
Do 中国工商银行 or 中国农业银行 have ads?
Neither 中国工商银行 nor 中国农业银行 shows ads.
Which is updated more often, 中国工商银行 or 中国农业银行?
中国工商银行 ships an update every 4 weeks, and 中国农业银行 every 2 months. Most recently, 中国工商银行 was updated on November 11, 2026 and 中国农业银行 on November 11, 2026.

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