# 中国工商银行 vs HTSmartPay

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.

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.

## The numbers

| Metric | 中国工商银行 | HTSmartPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (32K ratings)](https://appshunter.io/ios/app/id423514795/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/htsmartpay/id6444838592/reviews)** |
| Number of ratings | **32K** | 5 |
| Positive reviews | 33.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 394 MB | 47 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | **iPhone, iPod, Vision Pro** | iPhone, iPod |
| Age rating | 12+ | 17+ |
| Developer | [Industrial and Commercial Bank of China](https://appshunter.io/developer/404569366) | [HT SMARTPAY COMPANY LIMITED](https://appshunter.io/developer/1657211352) |

## 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


### HTSmartPay

[App page](https://appshunter.io/ios/app/htsmartpay/id6444838592)

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.

**Highlights:** Phone bill top-up, Offline store payments, Electricity bill payment, Essential utility services, Future feature updates

**Features:** macOS Compatibility

**In-app purchases:** none


## 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 HTSmartPay free?

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

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

HTSmartPay is rated higher. 中国工商银行 averages 4.7 out of 5 from 32K ratings, while HTSmartPay averages 5.0 from 5 ratings.

### Do 中国工商银行 or HTSmartPay have ads?

Neither 中国工商银行 nor HTSmartPay shows ads.

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

中国工商银行 ships an update every 4 weeks, and HTSmartPay every 2 weeks. Most recently, 中国工商银行 was updated on November 10, 2026 and HTSmartPay on November 3, 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.*