# 中国工商银行 vs UnionPay APP

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 (33% vs 8%) and ratings volume (32K vs 588). UnionPay APP's advantage is chart position (#187 vs unranked). On price, update cadence, ads and in-app purchases there is nothing between them.

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 32K ratings behind it against 588, so its average is the more settled of the two. Written reviews point the same way: 33% 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 4 weeks, UnionPay APP every 5 weeks. The most recent releases landed on November 8, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | 中国工商银行 | UnionPay APP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (32K ratings)](https://appshunter.io/ios/app/id423514795/reviews)** | [1.9 (588 ratings)](https://appshunter.io/ios/app/unionpay-app/id600273928/reviews) |
| Number of ratings | **32K** | 588 |
| Positive reviews | **33.0% of reviews** | 8.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 5 weeks |
| Monetization | — | Free |
| Best chart rank | — | **#187** |
| Size | 394 MB | 224 MB |
| Requires iOS | **13.0** | 13.4 |
| Devices | **iPhone, iPod, Vision Pro** | iPhone, iPod |
| Age rating | 12+ | 17+ |
| Developer | [Industrial and Commercial Bank of China](https://appshunter.io/developer/404569366) | [中国银联](https://appshunter.io/developer/433602057) |

## What reviewers say

### 中国工商银行

[App page](https://appshunter.io/ios/app/id423514795)

**Features:** Siri integration, Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/unionpay-app/id600273928)

**Currently charting:** #187 Top Free · Finance (US App Store)

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.

**Highlights:** Integrated mobile payment, Comprehensive bank card management, Scan-to-pay feature, Financial-grade security protection, Card discounts and special offers

**Features:** macOS Compatibility, Siri integration, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast payment processing
- 🔒 Secure payment methods
- 👍 Convenient account management

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🤖 Poor user experience design
- 💳 Difficulty binding bank cards
- 🕰️ Slow app performance
- 🔍 Confusing navigation and features

**Reported bugs**

- Unable to receive verification codes
- Face recognition consistently fails
- Inability to change registered phone number
- Unexpected app crashes during transactions

**Requested features**

- Support for international phone numbers
- Add English language option
- Implement Touch/Face ID authentication
- Improve payment flow and error handling


## Frequently asked 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 UnionPay APP free?

UnionPay APP is free to download, with no in-app purchases.

### Which has better reviews, 中国工商银行 or UnionPay APP?

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 UnionPay APP averages 1.9 from 588 ratings.

### Do 中国工商银行 or UnionPay APP have ads?

Neither 中国工商银行 nor UnionPay APP shows ads.

### Which is updated more often, 中国工商银行 or UnionPay APP?

中国工商银行 ships an update every 4 weeks, and UnionPay APP every 5 weeks. Most recently, 中国工商银行 was updated on November 8, 2026 and UnionPay APP on November 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*