中国工商银行 vs UnionPay APP
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
中国工商银行
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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。
UnionPay APP
Manage all your bank cards in one place with this integrated mobile payment solution. Securely scan to pay and discover exclusive card discounts and special offers.
- Integrated mobile payment
- Comprehensive bank card management
- Scan-to-pay feature
- Financial-grade security protection
- Card discounts and special offers
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UnionPay APP is a strategic product for integrated mobile payment in the banking sector. It provides comprehensive management of bank cards and brings together all card discounts and special offers. 【Main Features】 1. Scan-to-pay feature with UnionPay's financial-grade security protection, ensuring worry-free fund security. 【Official Website】https://www.95516.com/ 【Official WeChat】Yinlian_KY
Screenshots
Verdict
The clearest difference is rating: 中国工商银行 at 4.7 against UnionPay APP's 1.9. 中国工商银行 also leads on review sentiment (32% vs 8%) and ratings volume (30K vs 569). 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.
中国工商银行 holds the better App Store score, 4.7 against 1.9. That said, the two scores are not equally well evidenced: 中国工商银行 has 30K ratings behind it against 569, so its average is the more settled of the two. Written reviews point the same way: 32% of 中国工商银行's written reviews are positive against 8% of UnionPay APP's.
中国工商银行 ships an update every 3 weeks, UnionPay APP monthly. Both last shipped on September 24, 2026.
| Parameter | 中国工商银行 | UnionPay APP |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (30K ratings) — better | 1.9 (569 ratings) |
| Positive reviews | 31.8% of reviews — better | 8.4% of reviews |
| Number of ratings | 30K — better | 569 |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod, Vision Pro — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 13.4 |
| Further details — not scored | ||
| Size | 499 MB | 224 MB |
| Age rating | 17+ | 17+ |
| Developer | Industrial and Commercial Bank of China | 中国银联 |
Customer experience
中国工商银行
UnionPay APP
User reviews
中国工商银行
From 30K App Store ratingsWhat 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
UnionPay APP
From 569 App Store ratingsWhat we love
- 🚀 Fast payment processing
- 🔒 Secure payment methods
- 👍 Convenient account management
Room to improve
- 🐛 Frequent crashes and bugs
- 🤖 Poor user experience design
- 💳 Difficulty binding bank cards
- 🕰️ Slow app performance
- 🔍 Confusing navigation and features
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
UnionPay APP
Reported bugs
4 issues- Unable to receive verification codes
- Face recognition consistently fails
- Inability to change registered phone number
- Unexpected app crashes during transactions
Requested features
4 requests- Support for international phone numbers
- Add English language option
- Implement Touch/Face ID authentication
- Improve payment flow and error handling
In-app purchases
中国工商银行
No in-app purchases
UnionPay APP
No in-app purchases
