中国工商银行 vs HTSmartPay
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。
HTSmartPay
This finance app offers convenient payment services for essential utilities like phone bills and electricity. It also supports payments at offline stores. More features are planned for future updates.
- Phone bill top-up
- Offline store payments
- Electricity bill payment
- Essential utility services
- Future feature updates
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汇通是一款便捷支付的应用，目前支持话费充值、线下门店支付、电费支付等民生服务。 更多功能将在后续版本陆续上线。
Screenshots
Verdict
The clearest difference is ratings volume: 中国工商银行 at 32K against HTSmartPay's 5. HTSmartPay's advantage is rating (5.0 vs 4.7). 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.
HTSmartPay holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: 中国工商银行 has 32K ratings behind it against 5, so its average is the more settled of the two.
中国工商银行 ships an update every 4 weeks, HTSmartPay every 2 weeks. The most recent releases landed on November 10, 2026 and November 3, 2026 respectively.
| Parameter | 中国工商银行 | HTSmartPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (32K ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 33.0% of reviews | — |
| Number of ratings | 32K — better | 5 |
| Update frequency | Every 4 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod, Vision Pro — better | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 394 MB | 47 MB |
| Age rating | 12+ | 17+ |
| Developer | Industrial and Commercial Bank of China | HT SMARTPAY COMPANY LIMITED |
Customer experience
中国工商银行
HTSmartPay
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
HTSmartPay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
中国工商银行
No in-app purchases
HTSmartPay
No in-app purchases
